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$25,542
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$807/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,796
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$773/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$969/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$928/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$1,130/mo
Today · 4.125%
HK$38,002
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,004/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,782
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,082/mo
Today · 4.125%
HK$41,931
baseline
▲ 0.50% · 4.625%
HK$44,141
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,862/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,976
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,453/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,832
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,148
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,391/mo
Today · 4.125%
HK$53,911
baseline
▲ 0.50% · 4.625%
HK$56,753
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,822/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,057 · Scale 2, in force from 26 Feb 2026)