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$25,557
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$807/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,812
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$774/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$969/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$928/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,779
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$1,131/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,872
−HK$1,083/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,002
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,433
−HK$1,454/mo
Today · 4.125%
HK$48,887
baseline
▲ 0.50% · 4.625%
HK$51,861
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,774/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,177
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,393/mo
Today · 4.125%
HK$53,942
baseline
▲ 0.50% · 4.625%
HK$56,785
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,884/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,294 · Scale 2, in force from 26 Feb 2026)