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$23,718
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$749/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$718/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$900/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$32,087
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$861/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$1,050/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,005/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,693
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,021
−HK$1,349/mo
Today · 4.125%
HK$45,370
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,740/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,495
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,769
−HK$1,292/mo
Today · 4.125%
HK$50,061
baseline
▲ 0.50% · 4.625%
HK$52,700
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,122/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,057 · Scale 2, in force from 26 Feb 2026)