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$23,731
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$750/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,440/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$718/mo
Today · 4.125%
HK$27,827
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,654/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,478
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$900/mo
Today · 4.125%
HK$30,264
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,528/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,681
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,531
−HK$862/mo
Today · 4.125%
HK$33,393
baseline
▲ 0.50% · 4.625%
HK$35,153
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,786/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,258
−HK$1,049/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,953
−HK$1,005/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,012
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,350/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,796
−HK$1,293/mo
Today · 4.125%
HK$50,089
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,178/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,277 · Scale 2, in force from 26 Feb 2026)