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$24,606
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$777/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,374
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$745/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$933/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,288
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$894/mo
Today · 4.125%
HK$34,624
baseline
▲ 0.50% · 4.625%
HK$36,449
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,248/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$1,089/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,042/mo
Today · 4.125%
HK$40,394
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,788/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,291
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,400/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,933
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,341/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$54,673
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,663 · Scale 2, in force from 26 Feb 2026)