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$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$745/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$933/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,867
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$894/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,540
−HK$1,089/mo
Today · 4.125%
HK$36,629
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,258/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,345
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,373
−HK$1,044/mo
Today · 4.125%
HK$40,417
baseline
▲ 0.50% · 4.625%
HK$42,547
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,834/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,316
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,694
−HK$1,401/mo
Today · 4.125%
HK$47,095
baseline
▲ 0.50% · 4.625%
HK$49,960
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,190/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,301
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,623
−HK$1,341/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,885 · Scale 2, in force from 26 Feb 2026)