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$23,884
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,627
−HK$754/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$723/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$906/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,884
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$867/mo
Today · 4.125%
HK$33,607
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,214/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$1,057/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,012/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,991
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,358/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,466
+HK$2,780/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,827
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,109
−HK$1,301/mo
Today · 4.125%
HK$50,410
baseline
▲ 0.50% · 4.625%
HK$53,068
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,820/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,779 · Scale 2, in force from 26 Feb 2026)