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$24,631
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$778/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,401
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,136
−HK$746/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,404
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$934/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,882
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,764
−HK$894/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,556
−HK$1,089/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,362
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,391
−HK$1,044/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,566
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,401/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,982
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,323
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,645
−HK$1,342/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$54,728
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,065 · Scale 2, in force from 26 Feb 2026)