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$23,714
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$749/mo
Today · 4.125%
HK$25,201
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,402/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$718/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,457
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$899/mo
Today · 4.125%
HK$30,241
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,482/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,658
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$861/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,127
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,199
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,232
−HK$1,049/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,428
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,934
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,004/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$40,981
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,013
−HK$1,349/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$48,122
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,487
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,292/mo
Today · 4.125%
HK$50,052
baseline
▲ 0.50% · 4.625%
HK$52,690
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,104/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,987 · Scale 2, in force from 26 Feb 2026)