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$24,640
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$778/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$746/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,416
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$934/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$895/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,496
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$1,091/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,377
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,044/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,352
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,732
−HK$1,402/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,665
−HK$1,342/mo
Today · 4.125%
HK$52,007
baseline
▲ 0.50% · 4.625%
HK$54,749
+HK$2,742/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,014/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,221 · Scale 2, in force from 26 Feb 2026)