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$25,537
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,645
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,598
−HK$969/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,548
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,006
−HK$928/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$37,828
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,752
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$1,130/mo
Today · 4.125%
HK$37,994
baseline
▲ 0.50% · 4.625%
HK$40,306
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,988/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,841
−HK$1,082/mo
Today · 4.125%
HK$41,923
baseline
▲ 0.50% · 4.625%
HK$44,133
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,846/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,967
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,397
−HK$1,453/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,510
−HK$1,391/mo
Today · 4.125%
HK$53,901
baseline
▲ 0.50% · 4.625%
HK$56,742
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,802/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,976 · Scale 2, in force from 26 Feb 2026)