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$23,735
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$750/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,758
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,405
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$718/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$900/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$862/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,229
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$1,051/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,461
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,006/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,723
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,052
−HK$1,350/mo
Today · 4.125%
HK$45,402
baseline
▲ 0.50% · 4.625%
HK$48,165
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,804/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,529
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,294/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$52,737
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,333 · Scale 2, in force from 26 Feb 2026)