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$23,875
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$754/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,544/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$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,273
−HK$723/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,541
−HK$906/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,873
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$867/mo
Today · 4.125%
HK$33,595
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,190/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,465
−HK$1,056/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,683
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,185
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,012/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,975
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,312
−HK$1,358/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,449
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,810
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,092
−HK$1,301/mo
Today · 4.125%
HK$50,393
baseline
▲ 0.50% · 4.625%
HK$53,049
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,786/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,640 · Scale 2, in force from 26 Feb 2026)