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$23,913
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$756/mo
Today · 4.125%
HK$25,413
baseline
▲ 0.50% · 4.625%
HK$26,959
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,826/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$724/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,588
−HK$907/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,856/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$868/mo
Today · 4.125%
HK$33,648
baseline
▲ 0.50% · 4.625%
HK$35,422
+HK$1,774/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,296/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,478
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$1,059/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,742
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,244
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,013/mo
Today · 4.125%
HK$39,256
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,512/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,382
−HK$1,361/mo
Today · 4.125%
HK$45,743
baseline
▲ 0.50% · 4.625%
HK$48,526
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,486/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,885
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,170
−HK$1,302/mo
Today · 4.125%
HK$50,472
baseline
▲ 0.50% · 4.625%
HK$53,133
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,944/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,261 · Scale 2, in force from 26 Feb 2026)