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$23,704
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$749/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,371
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$717/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$899/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$32,068
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$861/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,113
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$1,049/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,413
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,005/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,668
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,348/mo
Today · 4.125%
HK$45,343
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,686/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,740
−HK$1,292/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$52,669
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,829 · Scale 2, in force from 26 Feb 2026)