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$23,949
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$757/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,358
−HK$725/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$908/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,829
−HK$870/mo
Today · 4.125%
HK$33,699
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,398/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,059/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,363/mo
Today · 4.125%
HK$45,812
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,624/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,958
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,244
−HK$1,305/mo
Today · 4.125%
HK$50,549
baseline
▲ 0.50% · 4.625%
HK$53,213
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,098/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,857 · Scale 2, in force from 26 Feb 2026)