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$25,517
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$807/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,767
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$773/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,498
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$968/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,978
−HK$927/mo
Today · 4.125%
HK$35,905
baseline
▲ 0.50% · 4.625%
HK$37,797
+HK$1,892/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,810/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,723
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$1,128/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,081/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,097
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,930
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,359
−HK$1,451/mo
Today · 4.125%
HK$48,810
baseline
▲ 0.50% · 4.625%
HK$51,780
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,620/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,097
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,467
−HK$1,390/mo
Today · 4.125%
HK$53,857
baseline
▲ 0.50% · 4.625%
HK$56,696
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,714/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,635 · Scale 2, in force from 26 Feb 2026)