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$23,724
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$750/mo
Today · 4.125%
HK$25,212
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,424/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$718/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$900/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$861/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$1,049/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,005/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,031
−HK$1,350/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,507
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,292/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$52,713
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,153 · Scale 2, in force from 26 Feb 2026)