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$23,953
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$757/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$725/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$908/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,405
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,977
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$870/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$1,776/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,534
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$1,060/mo
Today · 4.125%
HK$35,637
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,274/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,015/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,115
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,363/mo
Today · 4.125%
HK$45,819
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,638/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,305/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,920 · Scale 2, in force from 26 Feb 2026)