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$23,693
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$748/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$389,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$717/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$389,638 · 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$389,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$860/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$389,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$1,049/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,004/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,647
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,758/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$389,638 · 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$389,638 · Scale 2, in force from 26 Feb 2026)