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$23,952
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$757/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$725/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,566
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$909/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,403
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,975
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,833
−HK$870/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$1,059/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,305
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,015/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,113
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,363/mo
Today · 4.125%
HK$45,817
baseline
▲ 0.50% · 4.625%
HK$48,605
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,634/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,963
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,305/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,219
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,902 · Scale 2, in force from 26 Feb 2026)