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$23,957
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$758/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,549/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$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$725/mo
Today · 4.125%
HK$28,092
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,184/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$909/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$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$871/mo
Today · 4.125%
HK$33,711
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,422/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$1,060/mo
Today · 4.125%
HK$35,643
baseline
▲ 0.50% · 4.625%
HK$37,812
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,286/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,313
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,314
−HK$1,015/mo
Today · 4.125%
HK$39,329
baseline
▲ 0.50% · 4.625%
HK$41,402
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,658/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,123
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,464
−HK$1,363/mo
Today · 4.125%
HK$45,827
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,654/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,974
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,261
−HK$1,305/mo
Today · 4.125%
HK$50,566
baseline
▲ 0.50% · 4.625%
HK$53,231
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,132/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,990 · Scale 2, in force from 26 Feb 2026)