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$24,614
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$745/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$934/mo
Today · 4.125%
HK$31,390
baseline
▲ 0.50% · 4.625%
HK$33,300
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,780/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,532
−HK$1,089/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,337
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,365
−HK$1,043/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,538
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,400/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,949
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,290
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,341/mo
Today · 4.125%
HK$51,953
baseline
▲ 0.50% · 4.625%
HK$54,691
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,906/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,798 · Scale 2, in force from 26 Feb 2026)