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$23,887
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$755/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,574
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$723/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$906/mo
Today · 4.125%
HK$30,462
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,924/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,889
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,744
−HK$867/mo
Today · 4.125%
HK$33,611
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,222/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,442
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$1,057/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,701
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,203
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,012/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,996
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,358/mo
Today · 4.125%
HK$45,692
baseline
▲ 0.50% · 4.625%
HK$48,473
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,384/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,833
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,116
−HK$1,301/mo
Today · 4.125%
HK$50,417
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,834/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,831 · Scale 2, in force from 26 Feb 2026)