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$26,749
+HK$1,535/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$390,194 · 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$390,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,472
−HK$1,785/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$390,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,675
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$862/mo
Today · 4.125%
HK$33,386
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,772/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,194 · 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$37,448
+HK$2,148/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$390,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,954
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,005/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$390,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,708
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,350/mo
Today · 4.125%
HK$45,386
baseline
▲ 0.50% · 4.625%
HK$48,147
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,772/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,293/mo
Today · 4.125%
HK$50,079
baseline
▲ 0.50% · 4.625%
HK$52,718
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,158/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,194 · Scale 2, in force from 26 Feb 2026)