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$23,951
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$757/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$725/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$908/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$870/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$1,060/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,015/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,111
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,363/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,602
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,961
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,247
−HK$1,305/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,882 · Scale 2, in force from 26 Feb 2026)