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$23,718
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$750/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$718/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$900/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$861/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$1,049/mo
Today · 4.125%
HK$35,287
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,574/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,940
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,005/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$40,988
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,349/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$48,129
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,494
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,292/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,049 · Scale 2, in force from 26 Feb 2026)