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$24,608
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$777/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$745/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,376
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$933/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$893/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$1,089/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,042/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,400/mo
Today · 4.125%
HK$47,072
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,144/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,599
−HK$1,341/mo
Today · 4.125%
HK$51,940
baseline
▲ 0.50% · 4.625%
HK$54,677
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,880/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,693 · Scale 2, in force from 26 Feb 2026)