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$1,543/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$777/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$744/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$934/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,909/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$404,709 · 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$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$1,089/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$2,228/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,043/mo
Today · 4.125%
HK$40,399
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,798/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,400/mo
Today · 4.125%
HK$47,074
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,148/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,341/mo
Today · 4.125%
HK$51,942
baseline
▲ 0.50% · 4.625%
HK$54,679
+HK$2,737/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$404,709 · Scale 2, in force from 26 Feb 2026)