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$23,715
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$750/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,090
−HK$718/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$899/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$861/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$1,049/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,926
−HK$1,005/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$40,983
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,686
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,014
−HK$1,349/mo
Today · 4.125%
HK$45,363
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,760/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,726/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,488
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,762
−HK$1,292/mo
Today · 4.125%
HK$50,054
baseline
▲ 0.50% · 4.625%
HK$52,692
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,108/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,000 · Scale 2, in force from 26 Feb 2026)