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$23,700
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$749/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,372/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,073
−HK$718/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,440
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$899/mo
Today · 4.125%
HK$30,224
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,448/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,639
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$861/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,180
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,049/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,004/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,349/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$48,094
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,459
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,291/mo
Today · 4.125%
HK$50,023
baseline
▲ 0.50% · 4.625%
HK$52,660
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,046/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,763 · Scale 2, in force from 26 Feb 2026)