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$23,900
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$755/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$724/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,680
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$906/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$1,058/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,721
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,223
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,012/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,019
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,357
−HK$1,360/mo
Today · 4.125%
HK$45,717
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,434/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,859
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,142
−HK$1,302/mo
Today · 4.125%
HK$50,444
baseline
▲ 0.50% · 4.625%
HK$53,103
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,888/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,042 · Scale 2, in force from 26 Feb 2026)