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$23,908
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$756/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$724/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$906/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,916
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$869/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,414
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,471
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$1,058/mo
Today · 4.125%
HK$35,570
baseline
▲ 0.50% · 4.625%
HK$37,734
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,140/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,234
−HK$1,014/mo
Today · 4.125%
HK$39,248
baseline
▲ 0.50% · 4.625%
HK$41,316
+HK$2,068/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,496/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,034
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,360/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,515
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,875
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,302/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,121
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,174 · Scale 2, in force from 26 Feb 2026)