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$25,556
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$808/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$773/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,621
−HK$970/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,117
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$929/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,779
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$1,130/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,336
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,083/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,454/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,861
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,548
−HK$1,393/mo
Today · 4.125%
HK$53,941
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,882/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,286 · Scale 2, in force from 26 Feb 2026)