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$23,921
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$756/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,546/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$724/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$907/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$869/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,489
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,531
−HK$1,058/mo
Today · 4.125%
HK$35,589
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,178/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,256
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,014/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,339
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,057
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,397
−HK$1,360/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,304/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,150
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,388 · Scale 2, in force from 26 Feb 2026)