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$25,533
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,327
−HK$807/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$773/mo
Today · 4.125%
HK$29,940
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,880/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$968/mo
Today · 4.125%
HK$32,561
baseline
▲ 0.50% · 4.625%
HK$34,542
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,122/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,086
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$928/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,858
−HK$1,130/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,767
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,082/mo
Today · 4.125%
HK$41,916
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,832/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,959
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,452/mo
Today · 4.125%
HK$48,841
baseline
▲ 0.50% · 4.625%
HK$51,813
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,682/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,129
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,391/mo
Today · 4.125%
HK$53,892
baseline
▲ 0.50% · 4.625%
HK$56,732
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,784/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,904 · Scale 2, in force from 26 Feb 2026)