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$23,940
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$756/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$725/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,552
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,728
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$908/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$869/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,462
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,516
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$1,059/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,286
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,015/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,372
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,092
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,361/mo
Today · 4.125%
HK$45,794
baseline
▲ 0.50% · 4.625%
HK$48,581
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,588/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,225
−HK$1,305/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,193
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,708 · Scale 2, in force from 26 Feb 2026)