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$23,898
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$723/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,678
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,570
−HK$906/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,904
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$868/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,498
−HK$1,058/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,221
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,219
−HK$1,013/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,359/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,856
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,302/mo
Today · 4.125%
HK$50,441
baseline
▲ 0.50% · 4.625%
HK$53,100
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,882/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,018 · Scale 2, in force from 26 Feb 2026)