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$23,710
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$750/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$718/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$899/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$32,076
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,652
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$861/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,194
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$1,049/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,422
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,928
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,918
−HK$1,005/mo
Today · 4.125%
HK$38,923
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,846/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,005
−HK$1,349/mo
Today · 4.125%
HK$45,354
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,708/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,752
−HK$1,291/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,919 · Scale 2, in force from 26 Feb 2026)