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$24,638
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$779/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,776
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$746/mo
Today · 4.125%
HK$28,890
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,780/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,565
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,485
−HK$934/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,331
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,891
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$895/mo
Today · 4.125%
HK$34,668
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,336/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$1,090/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,886
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,044/mo
Today · 4.125%
HK$40,446
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,892/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,402/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,997
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,660
−HK$1,342/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,181 · Scale 2, in force from 26 Feb 2026)