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$24,615
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$745/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$934/mo
Today · 4.125%
HK$31,390
baseline
▲ 0.50% · 4.625%
HK$33,300
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,780/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$894/mo
Today · 4.125%
HK$34,636
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,272/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,461
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,533
−HK$1,089/mo
Today · 4.125%
HK$36,622
baseline
▲ 0.50% · 4.625%
HK$38,850
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,244/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,337
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,365
−HK$1,043/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,538
+HK$2,130/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,685
−HK$1,400/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,950
+HK$2,865/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,291
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,342/mo
Today · 4.125%
HK$51,954
baseline
▲ 0.50% · 4.625%
HK$54,692
+HK$2,738/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,908/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,802 · Scale 2, in force from 26 Feb 2026)