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$23,715
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$749/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,736
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,383
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$717/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,274
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$899/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$861/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,129
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,201
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$1,049/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,936
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,005/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,864/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,349/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$48,125
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,694
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,010 · Scale 2, in force from 26 Feb 2026)