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$25,548
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$807/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$773/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$969/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,107
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$928/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$37,844
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,768
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,880
−HK$1,131/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,858
−HK$1,083/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,418
−HK$1,453/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,392/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$56,767
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,157 · Scale 2, in force from 26 Feb 2026)