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$23,737
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$750/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$719/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$900/mo
Today · 4.125%
HK$30,270
baseline
▲ 0.50% · 4.625%
HK$32,112
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,540/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,688
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$862/mo
Today · 4.125%
HK$33,400
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,800/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$1,050/mo
Today · 4.125%
HK$35,315
baseline
▲ 0.50% · 4.625%
HK$37,464
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,630/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,970
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,961
−HK$1,006/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,021
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,726
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,055
−HK$1,350/mo
Today · 4.125%
HK$45,405
baseline
▲ 0.50% · 4.625%
HK$48,168
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,810/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,532
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,807
−HK$1,293/mo
Today · 4.125%
HK$50,100
baseline
▲ 0.50% · 4.625%
HK$52,741
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,200/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,364 · Scale 2, in force from 26 Feb 2026)