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$23,729
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$750/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$718/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$900/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,528
−HK$862/mo
Today · 4.125%
HK$33,390
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,780/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,221
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$1,050/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,958
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,006/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,008
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,713
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,041
−HK$1,350/mo
Today · 4.125%
HK$45,391
baseline
▲ 0.50% · 4.625%
HK$48,153
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,782/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,518
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,792
−HK$1,293/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,242 · Scale 2, in force from 26 Feb 2026)