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$25,553
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$808/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$774/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$969/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,569
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$928/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,774
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$1,131/mo
Today · 4.125%
HK$38,017
baseline
▲ 0.50% · 4.625%
HK$40,330
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,034/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,798
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,865
−HK$1,083/mo
Today · 4.125%
HK$41,948
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,896/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,995
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,454/mo
Today · 4.125%
HK$48,879
baseline
▲ 0.50% · 4.625%
HK$51,853
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,758/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,541
−HK$1,392/mo
Today · 4.125%
HK$53,933
baseline
▲ 0.50% · 4.625%
HK$56,776
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,866/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,225 · Scale 2, in force from 26 Feb 2026)