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$23,911
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$756/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$724/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$907/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$869/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,292/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,517
−HK$1,058/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,241
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,013/mo
Today · 4.125%
HK$39,253
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,506/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,040
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,360/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,522
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,882
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,303/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,233 · Scale 2, in force from 26 Feb 2026)