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$23,896
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,639
−HK$755/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$723/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,675
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,567
−HK$906/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,756
−HK$868/mo
Today · 4.125%
HK$33,624
baseline
▲ 0.50% · 4.625%
HK$35,397
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,248/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,454
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$1,057/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,716
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,218
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,216
−HK$1,012/mo
Today · 4.125%
HK$39,228
baseline
▲ 0.50% · 4.625%
HK$41,296
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,456/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,359/mo
Today · 4.125%
HK$45,710
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,420/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,851
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,135
−HK$1,302/mo
Today · 4.125%
HK$50,437
baseline
▲ 0.50% · 4.625%
HK$53,095
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,874/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,983 · Scale 2, in force from 26 Feb 2026)