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$23,699
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$749/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,532/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$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$718/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,324
−HK$899/mo
Today · 4.125%
HK$30,223
baseline
▲ 0.50% · 4.625%
HK$32,062
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,446/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$861/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,106
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$1,049/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,405
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,911
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,005/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,659
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,348/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$48,092
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,730
−HK$1,292/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$52,658
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,749 · Scale 2, in force from 26 Feb 2026)