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$25,539
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$807/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$773/mo
Today · 4.125%
HK$29,947
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,894/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,647
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$968/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$928/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,754
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$1,129/mo
Today · 4.125%
HK$37,996
baseline
▲ 0.50% · 4.625%
HK$40,308
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,992/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,776
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,843
−HK$1,082/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,135
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,970
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,400
−HK$1,453/mo
Today · 4.125%
HK$48,853
baseline
▲ 0.50% · 4.625%
HK$51,825
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,706/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,141
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,513
−HK$1,391/mo
Today · 4.125%
HK$53,904
baseline
▲ 0.50% · 4.625%
HK$56,745
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,808/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,000 · Scale 2, in force from 26 Feb 2026)