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$23,927
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$757/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$724/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,713
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$907/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,799
−HK$869/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,443
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$1,059/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,765
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,266
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,013/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,069
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,408
−HK$1,362/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,914
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,199
−HK$1,303/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,164
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,494 · Scale 2, in force from 26 Feb 2026)