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$23,926
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$756/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$725/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,478/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$908/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,368
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,941
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$869/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$1,059/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,264
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,014/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,067
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,361/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,552
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,911
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,196
−HK$1,304/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,477 · Scale 2, in force from 26 Feb 2026)