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$24,000
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$758/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$727/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$911/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$871/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,601
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$1,062/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,017/mo
Today · 4.125%
HK$39,400
baseline
▲ 0.50% · 4.625%
HK$41,477
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,800/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,201
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,365/mo
Today · 4.125%
HK$45,910
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,820/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,349
−HK$1,308/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,327
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,700 · Scale 2, in force from 26 Feb 2026)