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$23,920
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$756/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,547/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$724/mo
Today · 4.125%
HK$28,048
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,479/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,096/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,704
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$907/mo
Today · 4.125%
HK$30,504
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,008/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$869/mo
Today · 4.125%
HK$33,658
baseline
▲ 0.50% · 4.625%
HK$35,432
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,316/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,488
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$1,059/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,753
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,255
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,254
−HK$1,014/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,337
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,361/mo
Today · 4.125%
HK$45,756
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,512/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,184
−HK$1,303/mo
Today · 4.125%
HK$50,487
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,974/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,374 · Scale 2, in force from 26 Feb 2026)