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$25,530
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$807/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$773/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$968/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$927/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,742
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,853
−HK$1,130/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$40,294
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,762
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,829
−HK$1,081/mo
Today · 4.125%
HK$41,910
baseline
▲ 0.50% · 4.625%
HK$44,120
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,820/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,954
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,452/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,807
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,123
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,494
−HK$1,391/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,850 · Scale 2, in force from 26 Feb 2026)