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$24,622
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$779/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,391
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$745/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,393
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$934/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,870
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$894/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,472
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$1,090/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,376
−HK$1,044/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,697
−HK$1,401/mo
Today · 4.125%
HK$47,098
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,196/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,341/mo
Today · 4.125%
HK$51,968
baseline
▲ 0.50% · 4.625%
HK$54,707
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,936/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,916 · Scale 2, in force from 26 Feb 2026)