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$23,932
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$756/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,980
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,624
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$725/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,612
−HK$907/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,377
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,806
−HK$869/mo
Today · 4.125%
HK$33,675
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,350/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,505
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$1,059/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,014/mo
Today · 4.125%
HK$39,288
baseline
▲ 0.50% · 4.625%
HK$41,359
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,576/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,078
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,418
−HK$1,361/mo
Today · 4.125%
HK$45,779
baseline
▲ 0.50% · 4.625%
HK$48,565
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,558/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,924
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,209
−HK$1,304/mo
Today · 4.125%
HK$50,513
baseline
▲ 0.50% · 4.625%
HK$53,175
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,026/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,577 · Scale 2, in force from 26 Feb 2026)