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$25,521
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$806/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$773/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,625
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$967/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$927/mo
Today · 4.125%
HK$35,911
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,822/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,729
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$1,129/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$40,280
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,748
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,814
−HK$1,082/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,937
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,366
−HK$1,452/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,105
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,476
−HK$1,390/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,704 · Scale 2, in force from 26 Feb 2026)