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$23,941
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$757/mo
Today · 4.125%
HK$25,442
baseline
▲ 0.50% · 4.625%
HK$26,990
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,884/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,634
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,348
−HK$725/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,552
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,729
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$908/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$869/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,463
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,517
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$1,059/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,015/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,434
−HK$1,362/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,582
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,592/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,304/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,194
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,718 · Scale 2, in force from 26 Feb 2026)