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$23,938
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$756/mo
Today · 4.125%
HK$25,439
baseline
▲ 0.50% · 4.625%
HK$26,987
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,878/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$725/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,549
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$908/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$870/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$1,059/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,283
−HK$1,015/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,089
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,362/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,577
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,304/mo
Today · 4.125%
HK$50,526
baseline
▲ 0.50% · 4.625%
HK$53,189
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,052/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,678 · Scale 2, in force from 26 Feb 2026)