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$24,605
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$778/mo
Today · 4.125%
HK$26,148
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,296/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,373
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,107
−HK$745/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,520/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,444
−HK$933/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,847
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,728
−HK$894/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$1,089/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,042/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,666
−HK$1,400/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,930
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,271
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,341/mo
Today · 4.125%
HK$51,933
baseline
▲ 0.50% · 4.625%
HK$54,670
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,866/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,641 · Scale 2, in force from 26 Feb 2026)