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$25,524
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$807/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$773/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$968/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$928/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,845
−HK$1,130/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,081/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,110
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,452/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,483
−HK$1,390/mo
Today · 4.125%
HK$53,873
baseline
▲ 0.50% · 4.625%
HK$56,713
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,746/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,760 · Scale 2, in force from 26 Feb 2026)