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$23,899
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$756/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$723/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$906/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$1,058/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,221
−HK$1,013/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,356
−HK$1,360/mo
Today · 4.125%
HK$45,716
baseline
▲ 0.50% · 4.625%
HK$48,498
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,432/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,857
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,302/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,102
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,033 · Scale 2, in force from 26 Feb 2026)