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$24,639
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$778/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$746/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,567
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$934/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,333
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,893
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,775
−HK$895/mo
Today · 4.125%
HK$34,670
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,340/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,495
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,568
−HK$1,090/mo
Today · 4.125%
HK$36,658
baseline
▲ 0.50% · 4.625%
HK$38,889
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,316/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,375
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,405
−HK$1,044/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,581
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,402/mo
Today · 4.125%
HK$47,132
baseline
▲ 0.50% · 4.625%
HK$50,000
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,264/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,340
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,663
−HK$1,342/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$2,742/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,207 · Scale 2, in force from 26 Feb 2026)