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$23,882
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$755/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$723/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$905/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$868/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,056/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,012/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,987
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,325
−HK$1,358/mo
Today · 4.125%
HK$45,683
baseline
▲ 0.50% · 4.625%
HK$48,463
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,366/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,823
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,106
−HK$1,301/mo
Today · 4.125%
HK$50,407
baseline
▲ 0.50% · 4.625%
HK$53,064
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,814/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,751 · Scale 2, in force from 26 Feb 2026)