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$24,635
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,401
−HK$779/mo
Today · 4.125%
HK$26,180
baseline
▲ 0.50% · 4.625%
HK$27,773
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,360/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$746/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$934/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$895/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$1,090/mo
Today · 4.125%
HK$36,651
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,302/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,044/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,343
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,401/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,991
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,342/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$54,737
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,132 · Scale 2, in force from 26 Feb 2026)