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$25,550
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$807/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$774/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,539
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,660
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$969/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,565
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,109
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$928/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$37,847
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$1,130/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,083/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,155
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,420
−HK$1,454/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,163
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,535
−HK$1,392/mo
Today · 4.125%
HK$53,927
baseline
▲ 0.50% · 4.625%
HK$56,770
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,854/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,183 · Scale 2, in force from 26 Feb 2026)