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$23,900
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$755/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$723/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,680
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$907/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$868/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,403
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,460
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$1,058/mo
Today · 4.125%
HK$35,559
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,118/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,012/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,304
+HK$2,069/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,359
−HK$1,359/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,500
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,860
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,143
−HK$1,303/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,105
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,053 · Scale 2, in force from 26 Feb 2026)