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$23,943
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$756/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,351
−HK$724/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$908/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$869/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,520
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$1,059/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,291
−HK$1,015/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,097
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,438
−HK$1,362/mo
Today · 4.125%
HK$45,800
baseline
▲ 0.50% · 4.625%
HK$48,587
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,600/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,945
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,305/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,199
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,755 · Scale 2, in force from 26 Feb 2026)