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$23,722
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$750/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$718/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$900/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$862/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$1,049/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,441
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,938
−HK$1,005/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,349/mo
Today · 4.125%
HK$45,377
baseline
▲ 0.50% · 4.625%
HK$48,138
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,754/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,503
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,292/mo
Today · 4.125%
HK$50,069
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,138/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,122 · Scale 2, in force from 26 Feb 2026)