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$25,523
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$807/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$772/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,628
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$968/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$927/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,733
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,844
−HK$1,129/mo
Today · 4.125%
HK$37,973
baseline
▲ 0.50% · 4.625%
HK$40,284
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,946/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,752
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,818
−HK$1,082/mo
Today · 4.125%
HK$41,900
baseline
▲ 0.50% · 4.625%
HK$44,108
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,800/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,942
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,371
−HK$1,452/mo
Today · 4.125%
HK$48,823
baseline
▲ 0.50% · 4.625%
HK$51,794
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,646/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,110
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,481
−HK$1,390/mo
Today · 4.125%
HK$53,871
baseline
▲ 0.50% · 4.625%
HK$56,711
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,742/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,744 · Scale 2, in force from 26 Feb 2026)