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$25,548
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$808/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,802
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$773/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,657
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$969/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$928/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,879
−HK$1,131/mo
Today · 4.125%
HK$38,010
baseline
▲ 0.50% · 4.625%
HK$40,323
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,020/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,790
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,857
−HK$1,083/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,151
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,986
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,416
−HK$1,454/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,843
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,159
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,531
−HK$1,392/mo
Today · 4.125%
HK$53,923
baseline
▲ 0.50% · 4.625%
HK$56,765
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,846/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,147 · Scale 2, in force from 26 Feb 2026)