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$23,904
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$756/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$723/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,684
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$906/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$868/mo
Today · 4.125%
HK$33,635
baseline
▲ 0.50% · 4.625%
HK$35,408
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,270/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$1,058/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,013/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,069/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,027
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,360/mo
Today · 4.125%
HK$45,725
baseline
▲ 0.50% · 4.625%
HK$48,507
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,450/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,302/mo
Today · 4.125%
HK$50,453
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,906/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,110 · Scale 2, in force from 26 Feb 2026)