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$23,904
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$755/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$724/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$907/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$868/mo
Today · 4.125%
HK$33,636
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,272/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,507
−HK$1,057/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,229
−HK$1,013/mo
Today · 4.125%
HK$39,242
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,484/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,027
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,366
−HK$1,360/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,508
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,868
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,303/mo
Today · 4.125%
HK$50,454
baseline
▲ 0.50% · 4.625%
HK$53,113
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,908/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,116 · Scale 2, in force from 26 Feb 2026)