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$25,520
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$806/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$772/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$968/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,524
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,069
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$927/mo
Today · 4.125%
HK$35,909
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,818/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$1,129/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,081/mo
Today · 4.125%
HK$41,894
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,788/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,451/mo
Today · 4.125%
HK$48,816
baseline
▲ 0.50% · 4.625%
HK$51,787
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,632/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,103
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,474
−HK$1,390/mo
Today · 4.125%
HK$53,864
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,728/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,687 · Scale 2, in force from 26 Feb 2026)