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$23,711
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$749/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,086
−HK$718/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$899/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,654
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,503
−HK$862/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,123
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$1,050/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,930
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,004/mo
Today · 4.125%
HK$38,925
baseline
▲ 0.50% · 4.625%
HK$40,977
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,850/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,680
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,008
−HK$1,349/mo
Today · 4.125%
HK$45,357
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,714/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,482
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,755
−HK$1,292/mo
Today · 4.125%
HK$50,047
baseline
▲ 0.50% · 4.625%
HK$52,685
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,094/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,946 · Scale 2, in force from 26 Feb 2026)