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$23,950
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$757/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,644
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$725/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,564
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,740
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$909/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$870/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$1,060/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,801
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,302
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,014/mo
Today · 4.125%
HK$39,317
baseline
▲ 0.50% · 4.625%
HK$41,390
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,634/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,110
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,363/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,787/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,960
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,246
−HK$1,305/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,874 · Scale 2, in force from 26 Feb 2026)