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$24,609
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$778/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$745/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$933/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,452
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$1,089/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,042/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,399/mo
Today · 4.125%
HK$47,073
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,146/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,278
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,600
−HK$1,341/mo
Today · 4.125%
HK$51,941
baseline
▲ 0.50% · 4.625%
HK$54,679
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,882/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,703 · Scale 2, in force from 26 Feb 2026)