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$23,697
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$749/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,363
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,070
−HK$718/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,464/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$898/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$861/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,176
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$1,049/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,005/mo
Today · 4.125%
HK$38,903
baseline
▲ 0.50% · 4.625%
HK$40,953
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,806/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,655
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,348/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,454
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,726
−HK$1,292/mo
Today · 4.125%
HK$50,018
baseline
▲ 0.50% · 4.625%
HK$52,654
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,036/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,718 · Scale 2, in force from 26 Feb 2026)