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$23,874
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$755/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,915
+HK$1,543/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$723/mo
Today · 4.125%
HK$27,995
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$55,990/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,649
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$906/mo
Today · 4.125%
HK$30,446
baseline
▲ 0.50% · 4.625%
HK$32,298
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,892/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,872
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,727
−HK$867/mo
Today · 4.125%
HK$33,594
baseline
▲ 0.50% · 4.625%
HK$35,365
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,188/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,056/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,681
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,012/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,358/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,808
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,301/mo
Today · 4.125%
HK$50,391
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,782/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,627 · Scale 2, in force from 26 Feb 2026)