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$1,499/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$755/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$724/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$906/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,763
−HK$868/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,403
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,461
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$1,058/mo
Today · 4.125%
HK$35,559
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,118/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,225
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,013/mo
Today · 4.125%
HK$39,236
baseline
▲ 0.50% · 4.625%
HK$41,304
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,472/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,359
−HK$1,360/mo
Today · 4.125%
HK$45,719
baseline
▲ 0.50% · 4.625%
HK$48,500
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,438/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,860
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,144
−HK$1,302/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,105
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,056 · Scale 2, in force from 26 Feb 2026)