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$25,552
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$807/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$773/mo
Today · 4.125%
HK$29,962
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,924/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,616
−HK$969/mo
Today · 4.125%
HK$32,585
baseline
▲ 0.50% · 4.625%
HK$34,568
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,170/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$928/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$37,850
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$1,130/mo
Today · 4.125%
HK$38,016
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,032/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,797
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,083/mo
Today · 4.125%
HK$41,947
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,894/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,994
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,424
−HK$1,454/mo
Today · 4.125%
HK$48,878
baseline
▲ 0.50% · 4.625%
HK$51,852
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,756/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,540
−HK$1,392/mo
Today · 4.125%
HK$53,932
baseline
▲ 0.50% · 4.625%
HK$56,775
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,864/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,218 · Scale 2, in force from 26 Feb 2026)