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$25,520
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$807/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$773/mo
Today · 4.125%
HK$29,925
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,850/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,577
−HK$968/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,525
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,069
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$927/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,840
−HK$1,129/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,938/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,082/mo
Today · 4.125%
HK$41,895
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,790/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,452/mo
Today · 4.125%
HK$48,817
baseline
▲ 0.50% · 4.625%
HK$51,787
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,634/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,104
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,474
−HK$1,391/mo
Today · 4.125%
HK$53,865
baseline
▲ 0.50% · 4.625%
HK$56,704
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,730/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,694 · Scale 2, in force from 26 Feb 2026)