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$23,916
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$756/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,962
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$724/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,592
−HK$907/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,354
+HK$1,855/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,927
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,784
−HK$868/mo
Today · 4.125%
HK$33,652
baseline
▲ 0.50% · 4.625%
HK$35,426
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,304/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$1,058/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,249
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,248
−HK$1,013/mo
Today · 4.125%
HK$39,261
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,522/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,048
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,361/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,532
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,175
−HK$1,303/mo
Today · 4.125%
HK$50,478
baseline
▲ 0.50% · 4.625%
HK$53,139
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,956/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,308 · Scale 2, in force from 26 Feb 2026)