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$393,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$723/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$393,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$907/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,856/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$393,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$868/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$1,774/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$393,237 · 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$393,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,241
−HK$1,013/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,361/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,523
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,237 · 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$393,237 · Scale 2, in force from 26 Feb 2026)