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$25,561
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$808/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$774/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,673
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$970/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,983/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,123
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$928/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$1,896/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,785
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$1,131/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,314/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,084/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,441
−HK$1,454/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,185
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,558
−HK$1,393/mo
Today · 4.125%
HK$53,951
baseline
▲ 0.50% · 4.625%
HK$56,794
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,902/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,363 · Scale 2, in force from 26 Feb 2026)