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$25,533
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$807/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,406
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$772/mo
Today · 4.125%
HK$29,940
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,880/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$969/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$927/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,747
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$1,129/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$40,300
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,768
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,835
−HK$1,082/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,126
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,452/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,130
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,502
−HK$1,391/mo
Today · 4.125%
HK$53,893
baseline
▲ 0.50% · 4.625%
HK$56,733
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,786/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,911 · Scale 2, in force from 26 Feb 2026)