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$23,881
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$755/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,567
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$723/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,478
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$906/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,735
−HK$868/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,374
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$1,056/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,194
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,012/mo
Today · 4.125%
HK$39,203
baseline
▲ 0.50% · 4.625%
HK$41,270
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,406/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,985
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,359/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,103
−HK$1,301/mo
Today · 4.125%
HK$50,404
baseline
▲ 0.50% · 4.625%
HK$53,061
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,808/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,729 · Scale 2, in force from 26 Feb 2026)