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$23,927
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$756/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$724/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,713
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$908/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,856/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$869/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,443
+HK$1,774/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$1,059/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,765
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,267
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,014/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,351
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,069
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,361/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,914
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,199
−HK$1,304/mo
Today · 4.125%
HK$50,503
baseline
▲ 0.50% · 4.625%
HK$53,165
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,006/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,500 · Scale 2, in force from 26 Feb 2026)