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$23,886
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$755/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$723/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$906/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$867/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,441
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$1,057/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,202
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,012/mo
Today · 4.125%
HK$39,212
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,424/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,359/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,831
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,114
−HK$1,302/mo
Today · 4.125%
HK$50,416
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,832/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,820 · Scale 2, in force from 26 Feb 2026)