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$23,954
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$757/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$725/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$908/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$870/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,579
−HK$1,059/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,015/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,396
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,117
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,363/mo
Today · 4.125%
HK$45,821
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,642/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,967
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,254
−HK$1,305/mo
Today · 4.125%
HK$50,559
baseline
▲ 0.50% · 4.625%
HK$53,224
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,118/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,934 · Scale 2, in force from 26 Feb 2026)