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$23,931
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$757/mo
Today · 4.125%
HK$25,432
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,864/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$724/mo
Today · 4.125%
HK$28,061
baseline
▲ 0.50% · 4.625%
HK$29,540
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,122/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$908/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,947
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$869/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,503
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,545
−HK$1,059/mo
Today · 4.125%
HK$35,604
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,208/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,272
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,014/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,356
+HK$2,070/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,076
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,362/mo
Today · 4.125%
HK$45,777
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,554/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,921
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,206
−HK$1,304/mo
Today · 4.125%
HK$50,510
baseline
▲ 0.50% · 4.625%
HK$53,173
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,020/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,556 · Scale 2, in force from 26 Feb 2026)