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$23,736
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,474
−HK$750/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,406
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$719/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,300
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,483
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$900/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$862/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,230
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,264
−HK$1,050/mo
Today · 4.125%
HK$35,314
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,628/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,968
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,006/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,020
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,725
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,350/mo
Today · 4.125%
HK$45,404
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,808/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,531
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,806
−HK$1,293/mo
Today · 4.125%
HK$50,099
baseline
▲ 0.50% · 4.625%
HK$52,740
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,198/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,351 · Scale 2, in force from 26 Feb 2026)