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$24,645
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$779/mo
Today · 4.125%
HK$26,190
baseline
▲ 0.50% · 4.625%
HK$27,784
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,380/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$746/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,524/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$934/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,341
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$895/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,576
−HK$1,090/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,897
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,384
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,045/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,590
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,361
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,740
−HK$1,402/mo
Today · 4.125%
HK$47,142
baseline
▲ 0.50% · 4.625%
HK$50,011
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,284/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,674
−HK$1,343/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$54,759
+HK$2,742/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,296 · Scale 2, in force from 26 Feb 2026)