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$23,878
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$755/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$722/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$906/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,877
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$867/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,430
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,469
−HK$1,057/mo
Today · 4.125%
HK$35,526
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,052/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,187
−HK$1,012/mo
Today · 4.125%
HK$39,199
baseline
▲ 0.50% · 4.625%
HK$41,266
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,398/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,358/mo
Today · 4.125%
HK$45,676
baseline
▲ 0.50% · 4.625%
HK$48,455
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,352/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,816
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,098
−HK$1,301/mo
Today · 4.125%
HK$50,399
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,798/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,691 · Scale 2, in force from 26 Feb 2026)