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$26,973
+HK$1,547/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$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$724/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$907/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,368
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$869/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,440
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$1,058/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,264
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,263
−HK$1,014/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,347
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,362/mo
Today · 4.125%
HK$45,767
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,534/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,304/mo
Today · 4.125%
HK$50,499
baseline
▲ 0.50% · 4.625%
HK$53,161
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,998/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,468 · Scale 2, in force from 26 Feb 2026)