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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,614
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$724/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,478/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$908/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,856/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$869/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$1,775/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,492
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$1,058/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$2,166/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,013/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,071/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,061
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,401
−HK$1,360/mo
Today · 4.125%
HK$45,761
baseline
▲ 0.50% · 4.625%
HK$48,546
+HK$2,785/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$393,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,905
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,303/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$2,662/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$393,424 · Scale 2, in force from 26 Feb 2026)