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$23,951
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$757/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$725/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$909/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$870/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$1,060/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,015/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,362/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,962
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,305/mo
Today · 4.125%
HK$50,553
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,106/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,888 · Scale 2, in force from 26 Feb 2026)