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$24,608
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$777/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,592/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$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$745/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$934/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,452
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$1,089/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,043/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,673
−HK$1,400/mo
Today · 4.125%
HK$47,073
baseline
▲ 0.50% · 4.625%
HK$49,937
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,146/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,278
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,599
−HK$1,341/mo
Today · 4.125%
HK$51,940
baseline
▲ 0.50% · 4.625%
HK$54,678
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,880/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,697 · Scale 2, in force from 26 Feb 2026)