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$24,616
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$778/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$745/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,386
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,458
−HK$934/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$894/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,464
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$1,089/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,852
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,043/mo
Today · 4.125%
HK$40,411
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,822/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,309
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,400/mo
Today · 4.125%
HK$47,088
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,176/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,294
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,341/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$54,696
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,829 · Scale 2, in force from 26 Feb 2026)