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$23,893
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$755/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,580
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$723/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,671
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,563
−HK$906/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,323
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$868/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$1,057/mo
Today · 4.125%
HK$35,547
baseline
▲ 0.50% · 4.625%
HK$37,710
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,094/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,213
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,211
−HK$1,012/mo
Today · 4.125%
HK$39,223
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,446/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,007
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,345
−HK$1,359/mo
Today · 4.125%
HK$45,704
baseline
▲ 0.50% · 4.625%
HK$48,485
+HK$2,781/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,408/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,845
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,128
−HK$1,302/mo
Today · 4.125%
HK$50,430
baseline
▲ 0.50% · 4.625%
HK$53,088
+HK$2,658/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,860/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,929 · Scale 2, in force from 26 Feb 2026)