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$25,527
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$807/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,399
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,161
−HK$772/mo
Today · 4.125%
HK$29,933
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,866/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,633
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,586
−HK$968/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$927/mo
Today · 4.125%
HK$35,920
baseline
▲ 0.50% · 4.625%
HK$37,813
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,840/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,738
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,850
−HK$1,129/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,081/mo
Today · 4.125%
HK$41,906
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,812/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,949
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,378
−HK$1,453/mo
Today · 4.125%
HK$48,831
baseline
▲ 0.50% · 4.625%
HK$51,802
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,662/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,118
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,489
−HK$1,391/mo
Today · 4.125%
HK$53,880
baseline
▲ 0.50% · 4.625%
HK$56,720
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,760/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,810 · Scale 2, in force from 26 Feb 2026)