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$24,637
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$779/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,408
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$746/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$934/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,772
−HK$895/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,494
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,334/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,491
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$1,090/mo
Today · 4.125%
HK$36,654
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,308/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,371
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,401
−HK$1,044/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,576
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,726
−HK$1,401/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,995
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,335
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,658
−HK$1,342/mo
Today · 4.125%
HK$52,000
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$104,000/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,165 · Scale 2, in force from 26 Feb 2026)