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$23,734
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$750/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$719/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$900/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,109
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$862/mo
Today · 4.125%
HK$33,397
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,794/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$1,050/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,006/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,017
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,722
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,051
−HK$1,350/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,802
−HK$1,293/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$52,736
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,324 · Scale 2, in force from 26 Feb 2026)