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$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$724/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$906/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$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$869/mo
Today · 4.125%
HK$33,649
baseline
▲ 0.50% · 4.625%
HK$35,422
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,298/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$1,058/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$2,165/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$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,014/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,044
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,383
−HK$1,360/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$393,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,886
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,170
−HK$1,303/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,133
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,266 · Scale 2, in force from 26 Feb 2026)