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$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$745/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$405,155 · 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$33,329
+HK$1,912/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$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$895/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,491
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,563
−HK$1,090/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,884
+HK$2,231/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$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,370
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,400
−HK$1,043/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$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,345
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,402/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,657
−HK$1,342/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,155 · Scale 2, in force from 26 Feb 2026)