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$23,733
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$750/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,110
−HK$719/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$900/mo
Today · 4.125%
HK$30,265
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,530/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$862/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,155
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$1,050/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,005/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,014
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,719
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,350/mo
Today · 4.125%
HK$45,398
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,796/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,524
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,799
−HK$1,293/mo
Today · 4.125%
HK$50,092
baseline
▲ 0.50% · 4.625%
HK$52,732
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,184/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,297 · Scale 2, in force from 26 Feb 2026)