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$23,886
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$755/mo
Today · 4.125%
HK$25,383
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,766/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$723/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$906/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,887
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$868/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$1,057/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,199
−HK$1,012/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,278
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,359/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,470
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,830
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,301/mo
Today · 4.125%
HK$50,414
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,828/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,810 · Scale 2, in force from 26 Feb 2026)