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$23,725
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$750/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$718/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,287
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,471
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$900/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$861/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$1,050/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,952
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,005/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,002
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,706
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,034
−HK$1,350/mo
Today · 4.125%
HK$45,384
baseline
▲ 0.50% · 4.625%
HK$48,145
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,768/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,510
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,784
−HK$1,293/mo
Today · 4.125%
HK$50,077
baseline
▲ 0.50% · 4.625%
HK$52,716
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,154/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,178 · Scale 2, in force from 26 Feb 2026)