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$1,503/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$757/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$725/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$909/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$871/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$1,060/mo
Today · 4.125%
HK$35,651
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,302/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,015/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,411
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,132
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,363/mo
Today · 4.125%
HK$45,837
baseline
▲ 0.50% · 4.625%
HK$48,626
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,674/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,984
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,306/mo
Today · 4.125%
HK$50,577
baseline
▲ 0.50% · 4.625%
HK$53,243
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,154/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,074 · Scale 2, in force from 26 Feb 2026)