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$23,705
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$749/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$718/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$899/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$32,070
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,647
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$861/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,115
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$1,049/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,921
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,005/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,349/mo
Today · 4.125%
HK$45,346
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,692/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,470
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,291/mo
Today · 4.125%
HK$50,034
baseline
▲ 0.50% · 4.625%
HK$52,672
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,068/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,849 · Scale 2, in force from 26 Feb 2026)