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$23,923
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,667
−HK$756/mo
Today · 4.125%
HK$25,423
baseline
▲ 0.50% · 4.625%
HK$26,970
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,846/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,614
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$724/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$907/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$869/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,492
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$1,059/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,757
+HK$2,165/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,258
−HK$1,014/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,061
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,400
−HK$1,361/mo
Today · 4.125%
HK$45,761
baseline
▲ 0.50% · 4.625%
HK$48,545
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,522/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,189
−HK$1,304/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,154
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,419 · Scale 2, in force from 26 Feb 2026)