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$23,919
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$756/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,966
+HK$1,547/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$724/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,479/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$907/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$869/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,431
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,528
−HK$1,058/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,752
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,253
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,013/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,336
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,393
−HK$1,361/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,897
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,182
−HK$1,303/mo
Today · 4.125%
HK$50,485
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,970/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,360 · Scale 2, in force from 26 Feb 2026)