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$24,624
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$779/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,393
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$745/mo
Today · 4.125%
HK$28,873
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,746/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$934/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$894/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$1,090/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,044/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,553
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,322
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,701
−HK$1,401/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,308
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,631
−HK$1,341/mo
Today · 4.125%
HK$51,972
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,944/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,947 · Scale 2, in force from 26 Feb 2026)