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$23,719
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$749/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,740
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$718/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$900/mo
Today · 4.125%
HK$30,248
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,496/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,665
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$861/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,135
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$1,049/mo
Today · 4.125%
HK$35,289
baseline
▲ 0.50% · 4.625%
HK$37,436
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,578/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,942
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,933
−HK$1,005/mo
Today · 4.125%
HK$38,938
baseline
▲ 0.50% · 4.625%
HK$40,990
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,876/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,694
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,350/mo
Today · 4.125%
HK$45,372
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,744/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,771
−HK$1,292/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$52,702
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,073 · Scale 2, in force from 26 Feb 2026)