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$25,526
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$806/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$772/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$968/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,532
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,077
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$928/mo
Today · 4.125%
HK$35,918
baseline
▲ 0.50% · 4.625%
HK$37,811
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,836/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,736
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$1,129/mo
Today · 4.125%
HK$37,977
baseline
▲ 0.50% · 4.625%
HK$40,288
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,954/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,756
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,822
−HK$1,082/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,113
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,453/mo
Today · 4.125%
HK$48,828
baseline
▲ 0.50% · 4.625%
HK$51,799
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,656/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,115
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,486
−HK$1,390/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$56,716
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,784 · Scale 2, in force from 26 Feb 2026)