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$25,534
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$807/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,406
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$773/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,594
−HK$968/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$928/mo
Today · 4.125%
HK$35,929
baseline
▲ 0.50% · 4.625%
HK$37,823
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,858/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,747
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$1,130/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$40,300
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,768
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,835
−HK$1,082/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,453/mo
Today · 4.125%
HK$48,843
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,686/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,131
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,502
−HK$1,391/mo
Today · 4.125%
HK$53,893
baseline
▲ 0.50% · 4.625%
HK$56,734
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,786/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,916 · Scale 2, in force from 26 Feb 2026)