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$23,890
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$755/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$723/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,668
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$906/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$868/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$1,057/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,208
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,013/mo
Today · 4.125%
HK$39,219
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,438/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,359/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,479
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,839
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,122
−HK$1,302/mo
Today · 4.125%
HK$50,424
baseline
▲ 0.50% · 4.625%
HK$53,082
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,848/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,883 · Scale 2, in force from 26 Feb 2026)