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$25,560
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$808/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$773/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$969/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$929/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$1,131/mo
Today · 4.125%
HK$38,028
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,056/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,809
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,877
−HK$1,083/mo
Today · 4.125%
HK$41,960
baseline
▲ 0.50% · 4.625%
HK$44,172
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,920/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,454/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,556
−HK$1,392/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,345 · Scale 2, in force from 26 Feb 2026)