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$1,501/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$724/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,708
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$907/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$869/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.29M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$1,058/mo
Today · 4.125%
HK$35,593
baseline
▲ 0.50% · 4.625%
HK$37,759
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,186/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,260
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,260
−HK$1,013/mo
Today · 4.125%
HK$39,273
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,546/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,062
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,402
−HK$1,360/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,906
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,303/mo
Today · 4.125%
HK$50,494
baseline
▲ 0.50% · 4.625%
HK$53,156
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,988/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,433 · Scale 2, in force from 26 Feb 2026)