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$25,545
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$807/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,799
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,419
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$773/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,608
−HK$969/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,559
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$928/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$37,840
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$1,130/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,319
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,083/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,453/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,838
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,154
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,526
−HK$1,392/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$56,760
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,105 · Scale 2, in force from 26 Feb 2026)