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$25,551
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$807/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,805
+HK$1,652/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,425
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$774/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,579/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$969/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,566
+HK$1,982/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$928/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,884
−HK$1,130/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,327
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,795
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,862
−HK$1,083/mo
Today · 4.125%
HK$41,945
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,890/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,991
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,422
−HK$1,454/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,850
+HK$2,974/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,165
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,537
−HK$1,392/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$56,772
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,197 · Scale 2, in force from 26 Feb 2026)