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$24,619
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$779/mo
Today · 4.125%
HK$26,163
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,326/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$745/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$934/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,305
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$894/mo
Today · 4.125%
HK$34,641
baseline
▲ 0.50% · 4.625%
HK$36,467
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,282/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,538
−HK$1,090/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,856
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,343
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,043/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,401/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,958
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,341/mo
Today · 4.125%
HK$51,962
baseline
▲ 0.50% · 4.625%
HK$54,701
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,924/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,868 · Scale 2, in force from 26 Feb 2026)