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$25,522
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$807/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,773
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$773/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$968/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,072
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$927/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,731
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$1,129/mo
Today · 4.125%
HK$37,972
baseline
▲ 0.50% · 4.625%
HK$40,283
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,944/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,751
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,817
−HK$1,082/mo
Today · 4.125%
HK$41,899
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,798/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,940
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,452/mo
Today · 4.125%
HK$48,821
baseline
▲ 0.50% · 4.625%
HK$51,792
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,642/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,108
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,479
−HK$1,391/mo
Today · 4.125%
HK$53,870
baseline
▲ 0.50% · 4.625%
HK$56,709
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,740/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,731 · Scale 2, in force from 26 Feb 2026)