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$23,915
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$756/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,961
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$724/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,698
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$907/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,855/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$60,996/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,926
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,783
−HK$868/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,425
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$1,058/mo
Today · 4.125%
HK$35,581
baseline
▲ 0.50% · 4.625%
HK$37,746
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,162/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,014/mo
Today · 4.125%
HK$39,260
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,520/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,047
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,361/mo
Today · 4.125%
HK$45,747
baseline
▲ 0.50% · 4.625%
HK$48,530
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,494/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,889
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,174
−HK$1,303/mo
Today · 4.125%
HK$50,477
baseline
▲ 0.50% · 4.625%
HK$53,137
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,954/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,296 · Scale 2, in force from 26 Feb 2026)