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$23,910
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$756/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$724/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$907/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,347
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,920
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,776
−HK$868/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,418
+HK$1,774/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$1,058/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,738
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,240
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,013/mo
Today · 4.125%
HK$39,252
baseline
▲ 0.50% · 4.625%
HK$41,321
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,504/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,039
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,360/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,520
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,880
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,303/mo
Today · 4.125%
HK$50,467
baseline
▲ 0.50% · 4.625%
HK$53,127
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,934/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,218 · Scale 2, in force from 26 Feb 2026)