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$25,402
−HK$778/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$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$745/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,523/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$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$934/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,888
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,770
−HK$895/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,492
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,044/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,723
−HK$1,401/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,332
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,655
−HK$1,342/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$54,738
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,141 · Scale 2, in force from 26 Feb 2026)