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$23,912
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,656
−HK$756/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$724/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,517
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$907/mo
Today · 4.125%
HK$30,494
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,988/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,779
−HK$868/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,421
+HK$1,774/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,477
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$1,058/mo
Today · 4.125%
HK$35,576
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,152/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,243
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,013/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,324
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,042
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,381
−HK$1,360/mo
Today · 4.125%
HK$45,741
baseline
▲ 0.50% · 4.625%
HK$48,524
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,482/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,884
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,168
−HK$1,303/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,131
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,248 · Scale 2, in force from 26 Feb 2026)