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$23,962
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$757/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$725/mo
Today · 4.125%
HK$28,097
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,194/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$909/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,416
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$871/mo
Today · 4.125%
HK$33,717
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,434/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$1,060/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,015/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,131
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,364/mo
Today · 4.125%
HK$45,836
baseline
▲ 0.50% · 4.625%
HK$48,625
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,672/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,983
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,269
−HK$1,306/mo
Today · 4.125%
HK$50,575
baseline
▲ 0.50% · 4.625%
HK$53,241
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,150/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,061 · Scale 2, in force from 26 Feb 2026)