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$23,960
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$757/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,550/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$725/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$909/mo
Today · 4.125%
HK$30,555
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,110/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$870/mo
Today · 4.125%
HK$33,714
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,544
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,587
−HK$1,060/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,015/mo
Today · 4.125%
HK$39,333
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,666/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,128
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,363/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,979
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,305/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,033 · Scale 2, in force from 26 Feb 2026)