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$23,723
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$750/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$718/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,468
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$900/mo
Today · 4.125%
HK$30,253
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,506/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,670
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,519
−HK$862/mo
Today · 4.125%
HK$33,381
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,762/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,212
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$1,050/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,948
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,005/mo
Today · 4.125%
HK$38,944
baseline
▲ 0.50% · 4.625%
HK$40,997
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,888/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,701
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,349/mo
Today · 4.125%
HK$45,379
baseline
▲ 0.50% · 4.625%
HK$48,140
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,758/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,505
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,779
−HK$1,292/mo
Today · 4.125%
HK$50,071
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,142/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,138 · Scale 2, in force from 26 Feb 2026)