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$23,695
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$748/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$717/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$899/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$861/mo
Today · 4.125%
HK$33,341
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,682/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$1,049/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,004/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,650
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,348/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$48,083
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,448
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,291/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$52,648
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,671 · Scale 2, in force from 26 Feb 2026)