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$23,917
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$756/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$724/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,523
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,700
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$907/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$869/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$1,058/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,014/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,051
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,390
−HK$1,360/mo
Today · 4.125%
HK$45,750
baseline
▲ 0.50% · 4.625%
HK$48,534
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,500/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,178
−HK$1,303/mo
Today · 4.125%
HK$50,481
baseline
▲ 0.50% · 4.625%
HK$53,142
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,962/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,328 · Scale 2, in force from 26 Feb 2026)