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$25,528
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$807/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$772/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$968/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$927/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,740
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$1,130/mo
Today · 4.125%
HK$37,981
baseline
▲ 0.50% · 4.625%
HK$40,292
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,962/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,760
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,826
−HK$1,082/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,951
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,380
−HK$1,453/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,120
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,491
−HK$1,391/mo
Today · 4.125%
HK$53,882
baseline
▲ 0.50% · 4.625%
HK$56,722
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,764/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,827 · Scale 2, in force from 26 Feb 2026)