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$23,958
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$757/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,368
−HK$725/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,574
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,186/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$909/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$870/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$1,060/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,814
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,315
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,015/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,404
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,125
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,467
−HK$1,362/mo
Today · 4.125%
HK$45,829
baseline
▲ 0.50% · 4.625%
HK$48,618
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,658/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,976
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,305/mo
Today · 4.125%
HK$50,568
baseline
▲ 0.50% · 4.625%
HK$53,234
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,136/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,009 · Scale 2, in force from 26 Feb 2026)