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$23,695
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$748/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,533/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$717/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$899/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$860/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,048/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,399
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,905
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,004/mo
Today · 4.125%
HK$38,899
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,798/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,347/mo
Today · 4.125%
HK$45,326
baseline
▲ 0.50% · 4.625%
HK$48,084
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,652/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,450
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,722
−HK$1,291/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,685 · Scale 2, in force from 26 Feb 2026)