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$24,614
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$778/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,592/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$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$745/mo
Today · 4.125%
HK$28,862
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,724/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,455
−HK$934/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,740
−HK$894/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$1,826/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$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,089/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,043/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,400/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,341/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,787 · Scale 2, in force from 26 Feb 2026)