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$23,876
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$755/mo
Today · 4.125%
HK$25,373
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,746/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$722/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,651
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$905/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,300
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,874
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$868/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,465
−HK$1,057/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,683
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,186
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,183
−HK$1,012/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,261
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,976
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,313
−HK$1,358/mo
Today · 4.125%
HK$45,671
baseline
▲ 0.50% · 4.625%
HK$48,450
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,342/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,810
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,300/mo
Today · 4.125%
HK$50,393
baseline
▲ 0.50% · 4.625%
HK$53,050
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,786/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,646 · Scale 2, in force from 26 Feb 2026)