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$23,769
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$751/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$720/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,410
−HK$902/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$1,052/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,020
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,008/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,077
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,785
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,352/mo
Today · 4.125%
HK$45,468
baseline
▲ 0.50% · 4.625%
HK$48,234
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,936/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,295/mo
Today · 4.125%
HK$50,169
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,338/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,900 · Scale 2, in force from 26 Feb 2026)