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$23,930
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,674
−HK$757/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,978
+HK$1,547/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,622
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,336
−HK$724/mo
Today · 4.125%
HK$28,060
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,120/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$908/mo
Today · 4.125%
HK$30,517
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,034/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$869/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$1,059/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,769
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,271
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,270
−HK$1,014/mo
Today · 4.125%
HK$39,284
baseline
▲ 0.50% · 4.625%
HK$41,355
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,568/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,074
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,414
−HK$1,361/mo
Today · 4.125%
HK$45,775
baseline
▲ 0.50% · 4.625%
HK$48,560
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,550/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,919
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,205
−HK$1,303/mo
Today · 4.125%
HK$50,508
baseline
▲ 0.50% · 4.625%
HK$53,171
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,016/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,542 · Scale 2, in force from 26 Feb 2026)