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$23,712
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$749/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$717/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$900/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$861/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$1,049/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,005/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,681
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,349/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$48,118
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,292/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,956 · Scale 2, in force from 26 Feb 2026)