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$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,390
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$746/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$934/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$895/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,541
−HK$1,089/mo
Today · 4.125%
HK$36,630
baseline
▲ 0.50% · 4.625%
HK$38,859
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,260/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,346
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,374
−HK$1,043/mo
Today · 4.125%
HK$40,417
baseline
▲ 0.50% · 4.625%
HK$42,548
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,834/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,317
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,695
−HK$1,401/mo
Today · 4.125%
HK$47,096
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,192/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,302
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,624
−HK$1,341/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$54,704
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,930/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,894 · Scale 2, in force from 26 Feb 2026)