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$23,955
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$757/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$725/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$909/mo
Today · 4.125%
HK$30,549
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,098/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$870/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,484
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,537
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$1,059/mo
Today · 4.125%
HK$35,640
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,280/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,310
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,015/mo
Today · 4.125%
HK$39,326
baseline
▲ 0.50% · 4.625%
HK$41,399
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,652/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,119
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,362/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,612
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,306/mo
Today · 4.125%
HK$50,562
baseline
▲ 0.50% · 4.625%
HK$53,227
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,124/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,957 · Scale 2, in force from 26 Feb 2026)