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$23,879
−HK$1,497/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$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,565
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$723/mo
Today · 4.125%
HK$28,000
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,476/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,000/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$905/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$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$868/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,430
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$1,056/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$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,188
−HK$1,012/mo
Today · 4.125%
HK$39,200
baseline
▲ 0.50% · 4.625%
HK$41,266
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,400/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,359/mo
Today · 4.125%
HK$45,677
baseline
▲ 0.50% · 4.625%
HK$48,456
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,354/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,816
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,099
−HK$1,301/mo
Today · 4.125%
HK$50,400
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,800/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,695 · Scale 2, in force from 26 Feb 2026)