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$23,960
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$757/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$27,011
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$725/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$908/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$870/mo
Today · 4.125%
HK$33,714
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,587
−HK$1,060/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,317
−HK$1,016/mo
Today · 4.125%
HK$39,333
baseline
▲ 0.50% · 4.625%
HK$41,406
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,666/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,127
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,363/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,620
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,265
−HK$1,306/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,236
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,027 · Scale 2, in force from 26 Feb 2026)