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$23,876
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,619
−HK$754/mo
Today · 4.125%
HK$25,373
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,746/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$723/mo
Today · 4.125%
HK$27,997
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$55,994/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,651
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$906/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,874
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$867/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,466
−HK$1,057/mo
Today · 4.125%
HK$35,523
baseline
▲ 0.50% · 4.625%
HK$37,684
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,046/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,187
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,012/mo
Today · 4.125%
HK$39,196
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,392/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,977
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,358/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,300/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,655 · Scale 2, in force from 26 Feb 2026)