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$23,709
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$749/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,083
−HK$718/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$899/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,651
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$861/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,005/mo
Today · 4.125%
HK$38,921
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,842/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,676
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,003
−HK$1,349/mo
Today · 4.125%
HK$45,352
baseline
▲ 0.50% · 4.625%
HK$48,111
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,704/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,476
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,749
−HK$1,292/mo
Today · 4.125%
HK$50,041
baseline
▲ 0.50% · 4.625%
HK$52,679
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,082/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,901 · Scale 2, in force from 26 Feb 2026)