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$25,532
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$807/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,166
−HK$773/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$969/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$927/mo
Today · 4.125%
HK$35,926
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,852/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$1,129/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,387
−HK$1,453/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,811
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,127
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,499
−HK$1,391/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$56,730
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,888 · Scale 2, in force from 26 Feb 2026)