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$25,544
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$808/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,417
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$774/mo
Today · 4.125%
HK$29,953
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,906/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,653
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,606
−HK$969/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,557
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,101
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,015
−HK$928/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$37,838
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,761
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$1,130/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,316
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,784
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,851
−HK$1,083/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,453/mo
Today · 4.125%
HK$48,862
baseline
▲ 0.50% · 4.625%
HK$51,835
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,724/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,523
−HK$1,392/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,083 · Scale 2, in force from 26 Feb 2026)