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$23,730
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$750/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$719/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,679
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$1,050/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,006/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,714
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,042
−HK$1,350/mo
Today · 4.125%
HK$45,392
baseline
▲ 0.50% · 4.625%
HK$48,154
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,784/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,519
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,793
−HK$1,293/mo
Today · 4.125%
HK$50,086
baseline
▲ 0.50% · 4.625%
HK$52,726
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,172/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,251 · Scale 2, in force from 26 Feb 2026)