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$23,725
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$750/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$718/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,286
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$900/mo
Today · 4.125%
HK$30,255
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,510/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,672
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$862/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$1,050/mo
Today · 4.125%
HK$35,298
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,596/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,951
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,942
−HK$1,006/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,001
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,033
−HK$1,350/mo
Today · 4.125%
HK$45,383
baseline
▲ 0.50% · 4.625%
HK$48,144
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,766/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,509
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,783
−HK$1,292/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$52,715
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,169 · Scale 2, in force from 26 Feb 2026)