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$23,716
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$749/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$717/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,459
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,345
−HK$899/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,661
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$861/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$1,050/mo
Today · 4.125%
HK$35,285
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,570/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,938
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,928
−HK$1,005/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,349/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,696
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,025 · Scale 2, in force from 26 Feb 2026)