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$24,636
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$779/mo
Today · 4.125%
HK$26,181
baseline
▲ 0.50% · 4.625%
HK$27,774
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,362/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$746/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,411
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,483
−HK$934/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$894/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,563
−HK$1,090/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,883
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,306/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,370
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,399
−HK$1,044/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,575
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,401/mo
Today · 4.125%
HK$47,125
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,250/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,656
−HK$1,342/mo
Today · 4.125%
HK$51,998
baseline
▲ 0.50% · 4.625%
HK$54,739
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,996/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,149 · Scale 2, in force from 26 Feb 2026)