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$25,553
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$808/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$774/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,664
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,618
−HK$969/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,570
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,113
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$928/mo
Today · 4.125%
HK$35,956
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,912/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,775
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,887
−HK$1,131/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,799
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,083/mo
Today · 4.125%
HK$41,949
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,898/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,427
−HK$1,453/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,854
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,170
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,542
−HK$1,392/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$56,777
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,237 · Scale 2, in force from 26 Feb 2026)