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$23,963
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$757/mo
Today · 4.125%
HK$25,466
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,932/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$725/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$908/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$870/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$1,778/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$1,061/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$2,169/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$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,323
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,015/mo
Today · 4.125%
HK$39,339
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,678/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,134
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,476
−HK$1,363/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,986
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,306/mo
Today · 4.125%
HK$50,579
baseline
▲ 0.50% · 4.625%
HK$53,245
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,158/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,091 · Scale 2, in force from 26 Feb 2026)