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$25,542
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$808/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,177
−HK$773/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,650
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$968/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$927/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$1,130/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,781
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,082/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,141
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,975
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,453/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,147
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,519
−HK$1,392/mo
Today · 4.125%
HK$53,911
baseline
▲ 0.50% · 4.625%
HK$56,752
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,822/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,051 · Scale 2, in force from 26 Feb 2026)