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$23,907
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$756/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$724/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,688
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$906/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$869/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,511
−HK$1,057/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,733
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,235
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,013/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,315
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,371
−HK$1,360/mo
Today · 4.125%
HK$45,731
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,462/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,873
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,302/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,119
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,161 · Scale 2, in force from 26 Feb 2026)