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$24,634
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$779/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,771
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$745/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,523/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,480
−HK$934/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,912/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$894/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$1,090/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,367
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,044/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,571
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,341
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,720
−HK$1,401/mo
Today · 4.125%
HK$47,121
baseline
▲ 0.50% · 4.625%
HK$49,989
+HK$2,868/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,242/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,329
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,342/mo
Today · 4.125%
HK$51,994
baseline
▲ 0.50% · 4.625%
HK$54,734
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,988/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,116 · Scale 2, in force from 26 Feb 2026)