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$23,964
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$758/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$726/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,581
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,757
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$909/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$871/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$1,060/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,823
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,306/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,323
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,016/mo
Today · 4.125%
HK$39,340
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,680/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,477
−HK$1,363/mo
Today · 4.125%
HK$45,840
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,680/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,987
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,274
−HK$1,306/mo
Today · 4.125%
HK$50,580
baseline
▲ 0.50% · 4.625%
HK$53,246
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,160/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,097 · Scale 2, in force from 26 Feb 2026)