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$23,909
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$756/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$724/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$906/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,345
+HK$1,856/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,918
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$868/mo
Today · 4.125%
HK$33,642
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,284/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$1,058/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,237
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,013/mo
Today · 4.125%
HK$39,249
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,498/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,036
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,374
−HK$1,360/mo
Today · 4.125%
HK$45,734
baseline
▲ 0.50% · 4.625%
HK$48,517
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,468/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,877
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,161
−HK$1,302/mo
Today · 4.125%
HK$50,463
baseline
▲ 0.50% · 4.625%
HK$53,123
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,926/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,190 · Scale 2, in force from 26 Feb 2026)