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$23,721
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$750/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$718/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,350
−HK$900/mo
Today · 4.125%
HK$30,250
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,500/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,667
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$861/mo
Today · 4.125%
HK$33,377
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,754/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$1,049/mo
Today · 4.125%
HK$35,291
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,582/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,944
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,935
−HK$1,005/mo
Today · 4.125%
HK$38,940
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,880/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,697
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,025
−HK$1,349/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,761/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,500
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,774
−HK$1,292/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$2,639/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,097 · Scale 2, in force from 26 Feb 2026)