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$25,543
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$807/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,417
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$773/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$969/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,556
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$928/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,873
−HK$1,130/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,315
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,850
−HK$1,083/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,143
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,978
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,408
−HK$1,453/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,522
−HK$1,391/mo
Today · 4.125%
HK$53,913
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,826/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,072 · Scale 2, in force from 26 Feb 2026)