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$24,648
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$746/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,524/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$934/mo
Today · 4.125%
HK$31,432
baseline
▲ 0.50% · 4.625%
HK$33,345
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,864/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$895/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$1,829/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,507
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$1,090/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,902
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,045/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,366
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,402/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,357
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,681
−HK$1,343/mo
Today · 4.125%
HK$52,024
baseline
▲ 0.50% · 4.625%
HK$54,766
+HK$2,742/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,048/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,349 · Scale 2, in force from 26 Feb 2026)