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$23,694
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$748/mo
Today · 4.125%
HK$25,179
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,358/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$717/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,317
−HK$898/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$861/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,203
−HK$1,048/mo
Today · 4.125%
HK$35,251
baseline
▲ 0.50% · 4.625%
HK$37,396
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,502/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,903
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,004/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$40,947
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,649
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,975
−HK$1,348/mo
Today · 4.125%
HK$45,323
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,646/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,446
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,719
−HK$1,291/mo
Today · 4.125%
HK$50,010
baseline
▲ 0.50% · 4.625%
HK$52,646
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,020/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,655 · Scale 2, in force from 26 Feb 2026)