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$25,554
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$808/mo
Today · 4.125%
HK$27,157
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,314/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$773/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$969/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$928/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$37,853
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,776
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$1,131/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,333
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,083/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,998
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,454/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,392/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,257 · Scale 2, in force from 26 Feb 2026)