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$1,543/mo
▼ 0.25% · 3.875%
HK$25,378
−HK$778/mo
Today · 4.125%
HK$26,156
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,312/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$745/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,382
+HK$1,521/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$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$933/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,857
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,739
−HK$894/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$1,089/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,334
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,043/mo
Today · 4.125%
HK$40,405
baseline
▲ 0.50% · 4.625%
HK$42,535
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,810/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,400/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,286
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,341/mo
Today · 4.125%
HK$51,949
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,898/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,767 · Scale 2, in force from 26 Feb 2026)