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$23,936
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$756/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$724/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$908/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$870/mo
Today · 4.125%
HK$33,681
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,362/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$1,059/mo
Today · 4.125%
HK$35,612
baseline
▲ 0.50% · 4.625%
HK$37,779
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,224/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,280
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,280
−HK$1,014/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,362/mo
Today · 4.125%
HK$45,787
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,574/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,217
−HK$1,304/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,184
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,643 · Scale 2, in force from 26 Feb 2026)