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$25,547
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$807/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,183
−HK$773/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,656
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$969/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$928/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,878
−HK$1,131/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,789
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,083/mo
Today · 4.125%
HK$41,939
baseline
▲ 0.50% · 4.625%
HK$44,150
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,878/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,985
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,415
−HK$1,453/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,158
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,530
−HK$1,391/mo
Today · 4.125%
HK$53,921
baseline
▲ 0.50% · 4.625%
HK$56,764
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,842/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,135 · Scale 2, in force from 26 Feb 2026)