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$1,502/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$757/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,002 · 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$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$908/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$871/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$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,541
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$1,060/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,813
+HK$2,168/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$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,314
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,015/mo
Today · 4.125%
HK$39,330
baseline
▲ 0.50% · 4.625%
HK$41,403
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,660/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,124
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,466
−HK$1,363/mo
Today · 4.125%
HK$45,829
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,788/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$394,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,975
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,262
−HK$1,305/mo
Today · 4.125%
HK$50,567
baseline
▲ 0.50% · 4.625%
HK$53,233
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,134/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,002 · Scale 2, in force from 26 Feb 2026)