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$23,701
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$717/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$899/mo
Today · 4.125%
HK$30,225
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,450/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$860/mo
Today · 4.125%
HK$33,350
baseline
▲ 0.50% · 4.625%
HK$35,108
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,700/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$1,049/mo
Today · 4.125%
HK$35,263
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,526/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,005/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,662
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,989
−HK$1,349/mo
Today · 4.125%
HK$45,338
baseline
▲ 0.50% · 4.625%
HK$48,096
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,676/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,461
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,734
−HK$1,292/mo
Today · 4.125%
HK$50,026
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,052/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,781 · Scale 2, in force from 26 Feb 2026)