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$25,532
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$807/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$773/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$968/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$927/mo
Today · 4.125%
HK$35,926
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,852/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,744
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$1,130/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,081/mo
Today · 4.125%
HK$41,913
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,826/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,957
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,386
−HK$1,453/mo
Today · 4.125%
HK$48,839
baseline
▲ 0.50% · 4.625%
HK$51,811
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,678/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,127
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,498
−HK$1,391/mo
Today · 4.125%
HK$53,889
baseline
▲ 0.50% · 4.625%
HK$56,729
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,778/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,881 · Scale 2, in force from 26 Feb 2026)