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$23,944
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$757/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,994
+HK$1,548/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$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$725/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$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,802/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$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$870/mo
Today · 4.125%
HK$33,692
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,384/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$1,060/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,293
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,014/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,099
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,362/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,948
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,234
−HK$1,304/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,773 · Scale 2, in force from 26 Feb 2026)