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$23,726
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$750/mo
Today · 4.125%
HK$25,214
baseline
▲ 0.50% · 4.625%
HK$26,748
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,428/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,395
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,103
−HK$718/mo
Today · 4.125%
HK$27,821
baseline
▲ 0.50% · 4.625%
HK$29,288
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,642/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,471
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$900/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$861/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,145
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$1,050/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$2,147/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,006/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,707
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,349/mo
Today · 4.125%
HK$45,385
baseline
▲ 0.50% · 4.625%
HK$48,147
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,770/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,511
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,785
−HK$1,293/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$52,718
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,189 · Scale 2, in force from 26 Feb 2026)