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$28,790
+HK$1,652/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$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,598
−HK$968/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,548
+HK$1,982/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$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,006
−HK$928/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$37,828
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,752
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$1,130/mo
Today · 4.125%
HK$37,994
baseline
▲ 0.50% · 4.625%
HK$40,306
+HK$2,312/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,988/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,148/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$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,967
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,396
−HK$1,453/mo
Today · 4.125%
HK$48,849
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,973/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$419,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,137
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,509
−HK$1,391/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$419,970 · Scale 2, in force from 26 Feb 2026)