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$23,892
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$755/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,935
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$723/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,670
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$906/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,895
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,751
−HK$868/mo
Today · 4.125%
HK$33,619
baseline
▲ 0.50% · 4.625%
HK$35,391
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,238/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,449
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$1,057/mo
Today · 4.125%
HK$35,546
baseline
▲ 0.50% · 4.625%
HK$37,709
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,092/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,211
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,209
−HK$1,013/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,289
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,005
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,343
−HK$1,359/mo
Today · 4.125%
HK$45,702
baseline
▲ 0.50% · 4.625%
HK$48,483
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,404/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,843
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,126
−HK$1,302/mo
Today · 4.125%
HK$50,428
baseline
▲ 0.50% · 4.625%
HK$53,086
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,856/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,914 · Scale 2, in force from 26 Feb 2026)