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$23,706
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$749/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,373
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$718/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,448
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$899/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$861/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,116
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,221
−HK$1,049/mo
Today · 4.125%
HK$35,270
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,540/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,913
−HK$1,004/mo
Today · 4.125%
HK$38,917
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,834/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,999
−HK$1,348/mo
Today · 4.125%
HK$45,347
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,694/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,472
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,745
−HK$1,291/mo
Today · 4.125%
HK$50,036
baseline
▲ 0.50% · 4.625%
HK$52,674
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,072/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,865 · Scale 2, in force from 26 Feb 2026)