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$23,918
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,662
−HK$756/mo
Today · 4.125%
HK$25,418
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,836/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$724/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$907/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,357
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$869/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,429
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,526
−HK$1,059/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,750
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,252
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,013/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,361/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,179
−HK$1,304/mo
Today · 4.125%
HK$50,483
baseline
▲ 0.50% · 4.625%
HK$53,144
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,966/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,341 · Scale 2, in force from 26 Feb 2026)