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$25,541
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$807/mo
Today · 4.125%
HK$27,142
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,284/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$773/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$969/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,553
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,096
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,011
−HK$928/mo
Today · 4.125%
HK$35,939
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,878/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$1,130/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,311
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,082/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,138
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,973
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,403
−HK$1,453/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,829
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,145
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,516
−HK$1,392/mo
Today · 4.125%
HK$53,908
baseline
▲ 0.50% · 4.625%
HK$56,749
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,816/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,029 · Scale 2, in force from 26 Feb 2026)