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$23,902
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$756/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$723/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,682
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$907/mo
Today · 4.125%
HK$30,481
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,962/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$868/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,405
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,462
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$1,058/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,013/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,023
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,361
−HK$1,360/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,146
−HK$1,303/mo
Today · 4.125%
HK$50,449
baseline
▲ 0.50% · 4.625%
HK$53,108
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,898/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,076 · Scale 2, in force from 26 Feb 2026)