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$24,625
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$779/mo
Today · 4.125%
HK$26,170
baseline
▲ 0.50% · 4.625%
HK$27,762
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,340/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,396
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$746/mo
Today · 4.125%
HK$28,876
baseline
▲ 0.50% · 4.625%
HK$30,398
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,752/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,551
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,470
−HK$934/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,875
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,756
−HK$895/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,476
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,548
−HK$1,090/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,867
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,354
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,044/mo
Today · 4.125%
HK$40,426
baseline
▲ 0.50% · 4.625%
HK$42,557
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,852/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,326
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,400/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,341/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$54,716
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,979 · Scale 2, in force from 26 Feb 2026)