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$23,704
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$749/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$718/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$899/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,644
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$861/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,112
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,185
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$1,049/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,005/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$40,964
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,667
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,994
−HK$1,348/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,739
−HK$1,292/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$52,668
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,820 · Scale 2, in force from 26 Feb 2026)