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$23,708
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$749/mo
Today · 4.125%
HK$25,194
baseline
▲ 0.50% · 4.625%
HK$26,727
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,388/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$717/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$899/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$32,073
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,649
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,498
−HK$861/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$1,049/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,004/mo
Today · 4.125%
HK$38,919
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,052/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,838/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,001
−HK$1,349/mo
Today · 4.125%
HK$45,350
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,759/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,700/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,474
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,747
−HK$1,292/mo
Today · 4.125%
HK$50,039
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$2,638/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,078/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,886 · Scale 2, in force from 26 Feb 2026)