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$23,905
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$756/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$723/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$906/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$868/mo
Today · 4.125%
HK$33,636
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$1,774/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,272/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,507
−HK$1,058/mo
Today · 4.125%
HK$35,565
baseline
▲ 0.50% · 4.625%
HK$37,729
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,130/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,231
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,013/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,311
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,028
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,360/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,509
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,869
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,152
−HK$1,303/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,124 · Scale 2, in force from 26 Feb 2026)