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$23,924
−HK$1,500/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$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$724/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,709
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$907/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,938
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$869/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,438
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$1,059/mo
Today · 4.125%
HK$35,594
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,188/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,261
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,013/mo
Today · 4.125%
HK$39,274
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,548/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,063
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,403
−HK$1,361/mo
Today · 4.125%
HK$45,764
baseline
▲ 0.50% · 4.625%
HK$48,548
+HK$2,784/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,528/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,907
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,192
−HK$1,304/mo
Today · 4.125%
HK$50,496
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$2,661/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,992/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,442 · Scale 2, in force from 26 Feb 2026)