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$23,891
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$756/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$723/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,670
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,561
−HK$906/mo
Today · 4.125%
HK$30,467
baseline
▲ 0.50% · 4.625%
HK$32,321
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,934/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,895
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$868/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,448
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$1,057/mo
Today · 4.125%
HK$35,545
baseline
▲ 0.50% · 4.625%
HK$37,708
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,090/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,210
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,013/mo
Today · 4.125%
HK$39,221
baseline
▲ 0.50% · 4.625%
HK$41,288
+HK$2,067/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,442/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,004
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,342
−HK$1,359/mo
Today · 4.125%
HK$45,701
baseline
▲ 0.50% · 4.625%
HK$48,482
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,402/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,842
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,125
−HK$1,302/mo
Today · 4.125%
HK$50,427
baseline
▲ 0.50% · 4.625%
HK$53,085
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,854/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,906 · Scale 2, in force from 26 Feb 2026)