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$25,536
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$807/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$773/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$969/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,090
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$928/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,750
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$1,130/mo
Today · 4.125%
HK$37,992
baseline
▲ 0.50% · 4.625%
HK$40,304
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,984/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,772
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,838
−HK$1,082/mo
Today · 4.125%
HK$41,920
baseline
▲ 0.50% · 4.625%
HK$44,130
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,840/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,965
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,453/mo
Today · 4.125%
HK$48,847
baseline
▲ 0.50% · 4.625%
HK$51,819
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,694/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,135
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,391/mo
Today · 4.125%
HK$53,898
baseline
▲ 0.50% · 4.625%
HK$56,739
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,796/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,951 · Scale 2, in force from 26 Feb 2026)