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$23,732
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$750/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,440/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,110
−HK$718/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$900/mo
Today · 4.125%
HK$30,264
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,528/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$862/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,225
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,258
−HK$1,050/mo
Today · 4.125%
HK$35,308
baseline
▲ 0.50% · 4.625%
HK$37,457
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,616/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,962
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,005/mo
Today · 4.125%
HK$38,959
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,918/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,718
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,350/mo
Today · 4.125%
HK$45,397
baseline
▲ 0.50% · 4.625%
HK$48,159
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,794/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,523
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,798
−HK$1,293/mo
Today · 4.125%
HK$50,091
baseline
▲ 0.50% · 4.625%
HK$52,731
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,182/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,288 · Scale 2, in force from 26 Feb 2026)