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$23,728
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$750/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$718/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,466/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,474
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$900/mo
Today · 4.125%
HK$30,260
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,520/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,677
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$862/mo
Today · 4.125%
HK$33,389
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,778/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$1,050/mo
Today · 4.125%
HK$35,303
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,606/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,005/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,711
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,349/mo
Today · 4.125%
HK$45,389
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,778/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,516
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,293/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,226 · Scale 2, in force from 26 Feb 2026)