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$24,644
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,410
−HK$779/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,416
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,151
−HK$746/mo
Today · 4.125%
HK$28,897
baseline
▲ 0.50% · 4.625%
HK$30,420
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,794/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,572
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,492
−HK$935/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,781
−HK$895/mo
Today · 4.125%
HK$34,676
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,352/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,501
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$1,091/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,896
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,044/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,359
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,738
−HK$1,402/mo
Today · 4.125%
HK$47,140
baseline
▲ 0.50% · 4.625%
HK$50,009
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,280/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,348
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,672
−HK$1,343/mo
Today · 4.125%
HK$52,015
baseline
▲ 0.50% · 4.625%
HK$54,756
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,030/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,278 · Scale 2, in force from 26 Feb 2026)