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$23,940
−HK$1,502/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$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,348
−HK$724/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,552
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,713 · 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$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$870/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$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,517
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$1,059/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,014/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,362/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,582
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,226
−HK$1,304/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,194
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,713 · Scale 2, in force from 26 Feb 2026)