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$25,525
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$807/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$773/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,630
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$968/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,532
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$927/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$37,810
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,736
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,847
−HK$1,129/mo
Today · 4.125%
HK$37,976
baseline
▲ 0.50% · 4.625%
HK$40,287
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,952/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,755
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,822
−HK$1,081/mo
Today · 4.125%
HK$41,903
baseline
▲ 0.50% · 4.625%
HK$44,112
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,806/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,452/mo
Today · 4.125%
HK$48,827
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,654/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,485
−HK$1,391/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$56,716
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,779 · Scale 2, in force from 26 Feb 2026)