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$24,640
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$779/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$745/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$935/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$895/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,496
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$1,090/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,889
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,376
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,405
−HK$1,044/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,581
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,402/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$50,001
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,340
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,664
−HK$1,342/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,212 · Scale 2, in force from 26 Feb 2026)