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$25,524
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$807/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,651/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$773/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$968/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,981/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$927/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$1,129/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,082/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,452/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,112
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,483
−HK$1,391/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,764 · Scale 2, in force from 26 Feb 2026)