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$23,702
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,440
−HK$749/mo
Today · 4.125%
HK$25,189
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,532/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,378/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$717/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,465/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$898/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,840/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$861/mo
Today · 4.125%
HK$33,352
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,704/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$1,049/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$2,146/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,005/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,051/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,991
−HK$1,349/mo
Today · 4.125%
HK$45,340
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,680/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,463
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,736
−HK$1,292/mo
Today · 4.125%
HK$50,028
baseline
▲ 0.50% · 4.625%
HK$52,665
+HK$2,637/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,056/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,798 · Scale 2, in force from 26 Feb 2026)