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$23,946
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$756/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,996
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,639
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,354
−HK$725/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,735
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$908/mo
Today · 4.125%
HK$30,537
baseline
▲ 0.50% · 4.625%
HK$32,395
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,074/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,825
−HK$869/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,524
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,567
−HK$1,059/mo
Today · 4.125%
HK$35,626
baseline
▲ 0.50% · 4.625%
HK$37,794
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,252/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,295
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,295
−HK$1,015/mo
Today · 4.125%
HK$39,310
baseline
▲ 0.50% · 4.625%
HK$41,382
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,620/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,443
−HK$1,362/mo
Today · 4.125%
HK$45,805
baseline
▲ 0.50% · 4.625%
HK$48,592
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,610/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,951
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,237
−HK$1,305/mo
Today · 4.125%
HK$50,542
baseline
▲ 0.50% · 4.625%
HK$53,206
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,084/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,801 · Scale 2, in force from 26 Feb 2026)