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$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$749/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$718/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,464/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$898/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$861/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,049/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,004/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,653
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,348/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,451
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,291/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,691 · Scale 2, in force from 26 Feb 2026)