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$23,935
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$757/mo
Today · 4.125%
HK$25,436
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,872/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$724/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$908/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,953
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$869/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,509
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,551
−HK$1,059/mo
Today · 4.125%
HK$35,610
baseline
▲ 0.50% · 4.625%
HK$37,777
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,220/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,278
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,278
−HK$1,014/mo
Today · 4.125%
HK$39,292
baseline
▲ 0.50% · 4.625%
HK$41,364
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,584/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,362/mo
Today · 4.125%
HK$45,785
baseline
▲ 0.50% · 4.625%
HK$48,570
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,570/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,304/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,623 · Scale 2, in force from 26 Feb 2026)