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$25,536
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$808/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$419,956 · 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$31,522
+HK$1,578/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$419,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$968/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,090
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,005
−HK$927/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$1,894/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,956 · 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$40,304
+HK$2,311/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$419,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,772
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,839
−HK$1,082/mo
Today · 4.125%
HK$41,921
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,210/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,842/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,965
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,453/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,820
+HK$2,972/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,136
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,391/mo
Today · 4.125%
HK$53,898
baseline
▲ 0.50% · 4.625%
HK$56,739
+HK$2,841/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,796/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,956 · Scale 2, in force from 26 Feb 2026)