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$25,519
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$806/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$772/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,575
−HK$968/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,523
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,067
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$927/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$37,801
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,726
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$1,129/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,745
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,082/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,101
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,451/mo
Today · 4.125%
HK$48,814
baseline
▲ 0.50% · 4.625%
HK$51,785
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,628/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,101
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,472
−HK$1,390/mo
Today · 4.125%
HK$53,862
baseline
▲ 0.50% · 4.625%
HK$56,701
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,724/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,671 · Scale 2, in force from 26 Feb 2026)