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$24,627
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$779/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$745/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,553
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,472
−HK$934/mo
Today · 4.125%
HK$31,406
baseline
▲ 0.50% · 4.625%
HK$33,317
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,812/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,877
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$895/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$1,089/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,043/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,329
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,708
−HK$1,401/mo
Today · 4.125%
HK$47,109
baseline
▲ 0.50% · 4.625%
HK$49,976
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,218/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,316
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,639
−HK$1,341/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$54,720
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,011 · Scale 2, in force from 26 Feb 2026)