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$23,699
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$749/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$717/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,323
−HK$899/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$861/mo
Today · 4.125%
HK$33,347
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,694/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,178
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$1,048/mo
Today · 4.125%
HK$35,259
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,518/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,911
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,004/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,348/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,292/mo
Today · 4.125%
HK$50,021
baseline
▲ 0.50% · 4.625%
HK$52,657
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,042/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,741 · Scale 2, in force from 26 Feb 2026)