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$23,701
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$749/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$717/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,441
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$898/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,640
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$861/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,108
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$1,049/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,004/mo
Today · 4.125%
HK$38,908
baseline
▲ 0.50% · 4.625%
HK$40,959
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,816/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,349/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,292/mo
Today · 4.125%
HK$50,025
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,050/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,772 · Scale 2, in force from 26 Feb 2026)