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$25,554
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$808/mo
Today · 4.125%
HK$27,157
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,314/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$774/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,544
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$969/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,114
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$929/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$37,853
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,776
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$1,130/mo
Today · 4.125%
HK$38,019
baseline
▲ 0.50% · 4.625%
HK$40,333
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,038/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,800
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,082/mo
Today · 4.125%
HK$41,950
baseline
▲ 0.50% · 4.625%
HK$44,162
+HK$2,212/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,900/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,997
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,428
−HK$1,454/mo
Today · 4.125%
HK$48,882
baseline
▲ 0.50% · 4.625%
HK$51,856
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,764/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,392/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$56,779
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,252 · Scale 2, in force from 26 Feb 2026)