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$25,559
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$808/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,653/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$773/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,580/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,671
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$969/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,984/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,121
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$929/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$1,895/mo
Deposit HK$4.48M · loan HK$6.73M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,783
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,896
−HK$1,131/mo
Today · 4.125%
HK$38,027
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,313/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,054/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,808
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,876
−HK$1,083/mo
Today · 4.125%
HK$41,959
baseline
▲ 0.50% · 4.625%
HK$44,170
+HK$2,211/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,918/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,006
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,437
−HK$1,454/mo
Today · 4.125%
HK$48,891
baseline
▲ 0.50% · 4.625%
HK$51,866
+HK$2,975/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,782/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,182
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,554
−HK$1,393/mo
Today · 4.125%
HK$53,947
baseline
▲ 0.50% · 4.625%
HK$56,790
+HK$2,843/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,894/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,333 · Scale 2, in force from 26 Feb 2026)