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$23,720
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$749/mo
Today · 4.125%
HK$25,207
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,414/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$718/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,464
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,349
−HK$900/mo
Today · 4.125%
HK$30,249
baseline
▲ 0.50% · 4.625%
HK$32,089
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,498/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,666
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,515
−HK$862/mo
Today · 4.125%
HK$33,377
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,754/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,208
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$1,049/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,005/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,024
−HK$1,349/mo
Today · 4.125%
HK$45,373
baseline
▲ 0.50% · 4.625%
HK$48,134
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,746/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,499
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,292/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$52,704
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,086 · Scale 2, in force from 26 Feb 2026)