The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,909
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$756/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$724/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,691
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$907/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$868/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$1,774/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,473
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$1,058/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,239
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,237
−HK$1,013/mo
Today · 4.125%
HK$39,250
baseline
▲ 0.50% · 4.625%
HK$41,319
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,500/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,037
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,360/mo
Today · 4.125%
HK$45,736
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,472/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,878
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,162
−HK$1,303/mo
Today · 4.125%
HK$50,465
baseline
▲ 0.50% · 4.625%
HK$53,125
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,930/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,203 · Scale 2, in force from 26 Feb 2026)