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$24,613
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$778/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$745/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,536
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,455
−HK$933/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,298
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,740
−HK$894/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,459
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$1,089/mo
Today · 4.125%
HK$36,619
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,238/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,043/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,304
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,682
−HK$1,400/mo
Today · 4.125%
HK$47,082
baseline
▲ 0.50% · 4.625%
HK$49,947
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,164/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,288
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,609
−HK$1,341/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$54,689
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,778 · Scale 2, in force from 26 Feb 2026)