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$24,642
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$779/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,594/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,414
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$746/mo
Today · 4.125%
HK$28,895
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,790/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,570
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,490
−HK$935/mo
Today · 4.125%
HK$31,425
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,850/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,897
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$895/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,499
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$1,090/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,044/mo
Today · 4.125%
HK$40,453
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,132/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,906/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,735
−HK$1,402/mo
Today · 4.125%
HK$47,137
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,274/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,345
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,343/mo
Today · 4.125%
HK$52,011
baseline
▲ 0.50% · 4.625%
HK$54,752
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,022/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,249 · Scale 2, in force from 26 Feb 2026)