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$23,948
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$757/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,998
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,356
−HK$725/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$908/mo
Today · 4.125%
HK$30,540
baseline
▲ 0.50% · 4.625%
HK$32,398
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,080/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,970
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$870/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,527
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$1,060/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,015/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,072/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,106
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,447
−HK$1,363/mo
Today · 4.125%
HK$45,810
baseline
▲ 0.50% · 4.625%
HK$48,597
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,620/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,955
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,242
−HK$1,304/mo
Today · 4.125%
HK$50,546
baseline
▲ 0.50% · 4.625%
HK$53,211
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,092/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,838 · Scale 2, in force from 26 Feb 2026)