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$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$748/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$717/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$899/mo
Today · 4.125%
HK$30,219
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,438/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,635
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,483
−HK$861/mo
Today · 4.125%
HK$33,344
baseline
▲ 0.50% · 4.625%
HK$35,101
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,688/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$1,048/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,004/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$40,951
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,654
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,980
−HK$1,348/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,724
−HK$1,291/mo
Today · 4.125%
HK$50,015
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,030/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,701 · Scale 2, in force from 26 Feb 2026)