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$24,646
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$779/mo
Today · 4.125%
HK$26,192
baseline
▲ 0.50% · 4.625%
HK$27,786
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,384/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$746/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,524/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$934/mo
Today · 4.125%
HK$31,430
baseline
▲ 0.50% · 4.625%
HK$33,343
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,860/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,903
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$895/mo
Today · 4.125%
HK$34,680
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,360/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,578
−HK$1,091/mo
Today · 4.125%
HK$36,669
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,338/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,386
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,044/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,593
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,363
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,743
−HK$1,402/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,354
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,343/mo
Today · 4.125%
HK$52,020
baseline
▲ 0.50% · 4.625%
HK$54,762
+HK$2,742/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,040/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,322 · Scale 2, in force from 26 Feb 2026)