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$26,002
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$822/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,927
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$787/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$986/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$944/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,403
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$1,150/mo
Today · 4.125%
HK$38,686
baseline
▲ 0.50% · 4.625%
HK$41,040
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,372/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,102/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$44,937
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,804
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,480/mo
Today · 4.125%
HK$49,740
baseline
▲ 0.50% · 4.625%
HK$52,766
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,480/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,069
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,417/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$57,776
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,625 · Scale 2, in force from 26 Feb 2026)