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$24,629
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,395
−HK$778/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,399
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$746/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,402
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,555
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$934/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,761
−HK$895/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$1,090/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,044/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,711
−HK$1,401/mo
Today · 4.125%
HK$47,112
baseline
▲ 0.50% · 4.625%
HK$49,979
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,224/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,642
−HK$1,341/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$54,724
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,035 · Scale 2, in force from 26 Feb 2026)