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$24,623
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$779/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,127
−HK$745/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$934/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$895/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,472
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$1,089/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,862
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,349
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,043/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,401/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,629
−HK$1,341/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$54,710
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,932 · Scale 2, in force from 26 Feb 2026)