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$23,942
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$756/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,991
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,635
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$725/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,730
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$908/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$870/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$1,060/mo
Today · 4.125%
HK$35,621
baseline
▲ 0.50% · 4.625%
HK$37,788
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,242/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,289
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,015/mo
Today · 4.125%
HK$39,304
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,608/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,095
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,362/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,584
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,943
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,304/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,197
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,737 · Scale 2, in force from 26 Feb 2026)