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$24,618
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$778/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$746/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,541
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$934/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,864
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,746
−HK$894/mo
Today · 4.125%
HK$34,640
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,280/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,465
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,537
−HK$1,089/mo
Today · 4.125%
HK$36,626
baseline
▲ 0.50% · 4.625%
HK$38,855
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,252/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,342
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,370
−HK$1,043/mo
Today · 4.125%
HK$40,413
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,826/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,312
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,401/mo
Today · 4.125%
HK$47,091
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,182/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,297
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,341/mo
Today · 4.125%
HK$51,960
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,920/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,851 · Scale 2, in force from 26 Feb 2026)