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$23,937
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$756/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$725/mo
Today · 4.125%
HK$28,069
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,138/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$908/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,813
−HK$869/mo
Today · 4.125%
HK$33,682
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,364/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$1,059/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,780
+HK$2,167/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,282
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,014/mo
Today · 4.125%
HK$39,296
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,592/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,087
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,427
−HK$1,362/mo
Today · 4.125%
HK$45,789
baseline
▲ 0.50% · 4.625%
HK$48,575
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,578/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,934
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,219
−HK$1,304/mo
Today · 4.125%
HK$50,523
baseline
▲ 0.50% · 4.625%
HK$53,186
+HK$2,663/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,046/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,659 · Scale 2, in force from 26 Feb 2026)