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$23,717
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$749/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$718/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$899/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,662
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,511
−HK$861/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,236
−HK$1,050/mo
Today · 4.125%
HK$35,286
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,572/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,005/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$40,987
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,349/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,766
−HK$1,292/mo
Today · 4.125%
HK$50,058
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,116/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,037 · Scale 2, in force from 26 Feb 2026)