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$25,555
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$808/mo
Today · 4.125%
HK$27,158
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,316/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,430
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$774/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,666
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$969/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,116
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,031
−HK$928/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$1,131/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,802
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,083/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,454/mo
Today · 4.125%
HK$48,884
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,768/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,174
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,546
−HK$1,393/mo
Today · 4.125%
HK$53,939
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,878/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,269 · Scale 2, in force from 26 Feb 2026)