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$23,692
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$749/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,064
−HK$718/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,464/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$899/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$861/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,095
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,169
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$1,048/mo
Today · 4.125%
HK$35,249
baseline
▲ 0.50% · 4.625%
HK$37,394
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,498/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,890
−HK$1,004/mo
Today · 4.125%
HK$38,894
baseline
▲ 0.50% · 4.625%
HK$40,944
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,788/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,291/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,635 · Scale 2, in force from 26 Feb 2026)