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$25,517
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$806/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,767
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$772/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$968/mo
Today · 4.125%
HK$32,541
baseline
▲ 0.50% · 4.625%
HK$34,521
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,082/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$927/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$1,892/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$1,129/mo
Today · 4.125%
HK$37,964
baseline
▲ 0.50% · 4.625%
HK$40,274
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,928/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,743
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,081/mo
Today · 4.125%
HK$41,890
baseline
▲ 0.50% · 4.625%
HK$44,098
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,780/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,451/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,781
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,390/mo
Today · 4.125%
HK$53,858
baseline
▲ 0.50% · 4.625%
HK$56,697
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,716/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,644 · Scale 2, in force from 26 Feb 2026)