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$23,880
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$755/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$723/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,477
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$906/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,879
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$867/mo
Today · 4.125%
HK$33,601
baseline
▲ 0.50% · 4.625%
HK$35,373
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,202/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$1,057/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,690
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,056/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,012/mo
Today · 4.125%
HK$39,202
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,404/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,983
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,320
−HK$1,359/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,458
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,101
−HK$1,301/mo
Today · 4.125%
HK$50,402
baseline
▲ 0.50% · 4.625%
HK$53,059
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,804/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,714 · Scale 2, in force from 26 Feb 2026)