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$23,883
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$755/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,569
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$723/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,551
−HK$906/mo
Today · 4.125%
HK$30,457
baseline
▲ 0.50% · 4.625%
HK$32,310
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,914/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$868/mo
Today · 4.125%
HK$33,606
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,212/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$1,057/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,197
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,195
−HK$1,012/mo
Today · 4.125%
HK$39,207
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,414/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,989
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,359/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,301/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,766 · Scale 2, in force from 26 Feb 2026)