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$25,557
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$808/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$773/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,669
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$969/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,575
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,119
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$928/mo
Today · 4.125%
HK$35,962
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,924/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$1,131/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,805
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,873
−HK$1,083/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,454/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,863
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,178
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,551
−HK$1,392/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$56,786
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,304 · Scale 2, in force from 26 Feb 2026)