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$24,609
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$778/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,591/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$745/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$933/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,853
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$894/mo
Today · 4.125%
HK$34,628
baseline
▲ 0.50% · 4.625%
HK$36,453
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,256/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$1,089/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,329
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,357
−HK$1,043/mo
Today · 4.125%
HK$40,400
baseline
▲ 0.50% · 4.625%
HK$42,529
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,800/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,400/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,341/mo
Today · 4.125%
HK$51,942
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,884/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,714 · Scale 2, in force from 26 Feb 2026)