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$24,641
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$779/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,148
−HK$746/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,570
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$935/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,896
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$895/mo
Today · 4.125%
HK$34,673
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,346/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,571
−HK$1,090/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,892
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,408
−HK$1,044/mo
Today · 4.125%
HK$40,452
baseline
▲ 0.50% · 4.625%
HK$42,584
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,904/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,354
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,734
−HK$1,402/mo
Today · 4.125%
HK$47,136
baseline
▲ 0.50% · 4.625%
HK$50,004
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,272/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,344
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,667
−HK$1,343/mo
Today · 4.125%
HK$52,010
baseline
▲ 0.50% · 4.625%
HK$54,751
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,020/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,240 · Scale 2, in force from 26 Feb 2026)