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$25,529
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$807/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,781
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$773/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,635
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$968/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,081
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$928/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,741
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$1,129/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$40,293
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,762
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,082/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,953
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,452/mo
Today · 4.125%
HK$48,834
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,668/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,122
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,391/mo
Today · 4.125%
HK$53,884
baseline
▲ 0.50% · 4.625%
HK$56,724
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,768/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,843 · Scale 2, in force from 26 Feb 2026)