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$24,617
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$778/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,386
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$745/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,387
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$933/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,303
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$895/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,464
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$1,090/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,044/mo
Today · 4.125%
HK$40,412
baseline
▲ 0.50% · 4.625%
HK$42,542
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,824/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,310
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,401/mo
Today · 4.125%
HK$47,089
baseline
▲ 0.50% · 4.625%
HK$49,954
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,178/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,295
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,617
−HK$1,341/mo
Today · 4.125%
HK$51,958
baseline
▲ 0.50% · 4.625%
HK$54,697
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,916/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,835 · Scale 2, in force from 26 Feb 2026)