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$24,621
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$778/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,757
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,391
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,125
−HK$746/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,392
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$934/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$895/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$1,089/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,347
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,375
−HK$1,044/mo
Today · 4.125%
HK$40,419
baseline
▲ 0.50% · 4.625%
HK$42,549
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,838/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,318
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,696
−HK$1,401/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,963
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,303
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,626
−HK$1,341/mo
Today · 4.125%
HK$51,967
baseline
▲ 0.50% · 4.625%
HK$54,706
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,934/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,907 · Scale 2, in force from 26 Feb 2026)