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$25,537
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$807/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,789
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,409
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$773/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$969/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,005
−HK$928/mo
Today · 4.125%
HK$35,933
baseline
▲ 0.50% · 4.625%
HK$37,827
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,866/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$1,130/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,840
−HK$1,082/mo
Today · 4.125%
HK$41,922
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,844/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,396
−HK$1,453/mo
Today · 4.125%
HK$48,849
baseline
▲ 0.50% · 4.625%
HK$51,821
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,698/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,137
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,508
−HK$1,392/mo
Today · 4.125%
HK$53,900
baseline
▲ 0.50% · 4.625%
HK$56,741
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,800/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,964 · Scale 2, in force from 26 Feb 2026)