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$25,561
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$808/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$774/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,553
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$969/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$929/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$1,131/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,344
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,879
−HK$1,083/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,174
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,454/mo
Today · 4.125%
HK$48,896
baseline
▲ 0.50% · 4.625%
HK$51,871
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,792/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,186
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,559
−HK$1,393/mo
Today · 4.125%
HK$53,952
baseline
▲ 0.50% · 4.625%
HK$56,796
+HK$2,844/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,904/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,371 · Scale 2, in force from 26 Feb 2026)