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$1,544/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,791 · 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$30,384
+HK$1,522/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$404,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$933/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$404,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,090/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,791 · 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$404,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,401/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,791 · 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$54,691
+HK$2,739/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$404,791 · Scale 2, in force from 26 Feb 2026)