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$23,899
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$724/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$906/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,760
−HK$868/mo
Today · 4.125%
HK$33,628
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,256/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$1,057/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,220
−HK$1,013/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,301
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,356
−HK$1,359/mo
Today · 4.125%
HK$45,715
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,430/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,857
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,140
−HK$1,303/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,101
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,029 · Scale 2, in force from 26 Feb 2026)