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$23,709
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$749/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$717/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,451
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,336
−HK$899/mo
Today · 4.125%
HK$30,235
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,470/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,652
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$861/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,120
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$1,049/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,349/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,292/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$52,680
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,914 · Scale 2, in force from 26 Feb 2026)