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$1,503/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$757/mo
Today · 4.125%
HK$25,463
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,926/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$725/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,753
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$909/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$870/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,545
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$1,060/mo
Today · 4.125%
HK$35,648
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,296/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,319
−HK$1,015/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,408
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,363/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,622
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,980
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,306/mo
Today · 4.125%
HK$50,573
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,146/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$394,043 · Scale 2, in force from 26 Feb 2026)