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$24,626
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,392
−HK$779/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$746/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$934/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$894/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,477
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$1,090/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,868
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,355
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,044/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,328
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,401/mo
Today · 4.125%
HK$47,107
baseline
▲ 0.50% · 4.625%
HK$49,974
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,214/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,314
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,341/mo
Today · 4.125%
HK$51,978
baseline
▲ 0.50% · 4.625%
HK$54,718
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,956/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,995 · Scale 2, in force from 26 Feb 2026)