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$23,702
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$717/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$899/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$860/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$1,049/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,409
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,004/mo
Today · 4.125%
HK$38,910
baseline
▲ 0.50% · 4.625%
HK$40,961
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,820/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,991
−HK$1,348/mo
Today · 4.125%
HK$45,339
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,678/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,463
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,736
−HK$1,291/mo
Today · 4.125%
HK$50,027
baseline
▲ 0.50% · 4.625%
HK$52,664
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,054/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,793 · Scale 2, in force from 26 Feb 2026)