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$25,531
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$807/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$772/mo
Today · 4.125%
HK$29,937
baseline
▲ 0.50% · 4.625%
HK$31,515
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,874/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,637
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$968/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,083
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,998
−HK$927/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,743
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$1,130/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,831
−HK$1,081/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,956
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,385
−HK$1,453/mo
Today · 4.125%
HK$48,838
baseline
▲ 0.50% · 4.625%
HK$51,809
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,676/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,125
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,391/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,870 · Scale 2, in force from 26 Feb 2026)