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$23,939
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$757/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$724/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$908/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$869/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$1,060/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,014/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,370
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,089
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,430
−HK$1,361/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,578
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,304/mo
Today · 4.125%
HK$50,526
baseline
▲ 0.50% · 4.625%
HK$53,190
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,052/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,682 · Scale 2, in force from 26 Feb 2026)