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$24,630
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$779/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,401
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,136
−HK$745/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$934/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$894/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,482
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$1,089/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,361
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,043/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,565
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,334
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,713
−HK$1,401/mo
Today · 4.125%
HK$47,114
baseline
▲ 0.50% · 4.625%
HK$49,981
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,228/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,321
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,644
−HK$1,342/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$54,726
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,054 · Scale 2, in force from 26 Feb 2026)