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$23,905
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,649
−HK$755/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,950
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,308
−HK$723/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,509
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,579
−HK$906/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,769
−HK$869/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,508
−HK$1,058/mo
Today · 4.125%
HK$35,566
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,132/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,232
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,231
−HK$1,013/mo
Today · 4.125%
HK$39,244
baseline
▲ 0.50% · 4.625%
HK$41,312
+HK$2,068/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,488/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,030
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,368
−HK$1,360/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,510
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,870
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,154
−HK$1,302/mo
Today · 4.125%
HK$50,456
baseline
▲ 0.50% · 4.625%
HK$53,116
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,912/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,136 · Scale 2, in force from 26 Feb 2026)