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$23,731
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$750/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$718/mo
Today · 4.125%
HK$27,827
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,654/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$900/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,681
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,530
−HK$862/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,050/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,006/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,716
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,350/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$48,157
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,521
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,795
−HK$1,293/mo
Today · 4.125%
HK$50,088
baseline
▲ 0.50% · 4.625%
HK$52,729
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,176/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,270 · Scale 2, in force from 26 Feb 2026)