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$23,698
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$749/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$718/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,464/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,323
−HK$898/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,637
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$860/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,104
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,178
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$1,048/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,004/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$40,955
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,348/mo
Today · 4.125%
HK$45,332
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,664/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,728
−HK$1,292/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$52,656
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,733 · Scale 2, in force from 26 Feb 2026)