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$25,545
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$808/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,799
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,418
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$773/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,607
−HK$969/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,102
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$927/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,875
−HK$1,130/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,082/mo
Today · 4.125%
HK$41,935
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,870/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,453/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,837
+HK$2,973/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,153
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,525
−HK$1,392/mo
Today · 4.125%
HK$53,917
baseline
▲ 0.50% · 4.625%
HK$56,759
+HK$2,842/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,834/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,098 · Scale 2, in force from 26 Feb 2026)