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$24,639
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$779/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,777
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,410
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$746/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,486
−HK$935/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,332
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,892
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,775
−HK$894/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,494
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$1,090/mo
Today · 4.125%
HK$36,657
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,314/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,044/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,350
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,729
−HK$1,402/mo
Today · 4.125%
HK$47,131
baseline
▲ 0.50% · 4.625%
HK$49,999
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,262/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,339
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,342/mo
Today · 4.125%
HK$52,004
baseline
▲ 0.50% · 4.625%
HK$54,745
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$104,008/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,197 · Scale 2, in force from 26 Feb 2026)