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$1,501/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$756/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$725/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$909/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,858/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$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,829
−HK$869/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$1,060/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$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,300
−HK$1,015/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,363/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,598
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,305/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,212
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,848 · Scale 2, in force from 26 Feb 2026)