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$25,534
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$807/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$772/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,594
−HK$969/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,544
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,088
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,002
−HK$928/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$1,130/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,769
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,082/mo
Today · 4.125%
HK$41,918
baseline
▲ 0.50% · 4.625%
HK$44,128
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,836/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,962
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,453/mo
Today · 4.125%
HK$48,844
baseline
▲ 0.50% · 4.625%
HK$51,816
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,688/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,132
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,503
−HK$1,392/mo
Today · 4.125%
HK$53,895
baseline
▲ 0.50% · 4.625%
HK$56,735
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,790/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,926 · Scale 2, in force from 26 Feb 2026)