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$23,882
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$755/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,569
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$723/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$906/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$867/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,057/mo
Today · 4.125%
HK$35,532
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,064/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,012/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,325
−HK$1,359/mo
Today · 4.125%
HK$45,684
baseline
▲ 0.50% · 4.625%
HK$48,463
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,368/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,824
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,106
−HK$1,301/mo
Today · 4.125%
HK$50,407
baseline
▲ 0.50% · 4.625%
HK$53,065
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,814/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,756 · Scale 2, in force from 26 Feb 2026)