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$23,945
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$756/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$724/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$908/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$870/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,469
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$1,060/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,792
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,014/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,380
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,441
−HK$1,362/mo
Today · 4.125%
HK$45,803
baseline
▲ 0.50% · 4.625%
HK$48,590
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,606/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,949
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,235
−HK$1,304/mo
Today · 4.125%
HK$50,539
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,078/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,783 · Scale 2, in force from 26 Feb 2026)