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$24,607
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$778/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$745/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,376
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$933/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,290
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$894/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,522
−HK$1,089/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,326
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,354
−HK$1,042/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,526
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,293
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,671
−HK$1,400/mo
Today · 4.125%
HK$47,071
baseline
▲ 0.50% · 4.625%
HK$49,935
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,142/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,276
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,598
−HK$1,340/mo
Today · 4.125%
HK$51,938
baseline
▲ 0.50% · 4.625%
HK$54,676
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,876/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,684 · Scale 2, in force from 26 Feb 2026)