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$26,006
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$821/mo
Today · 4.125%
HK$27,636
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,272/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,931
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$787/mo
Today · 4.125%
HK$30,494
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,988/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,207
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$987/mo
Today · 4.125%
HK$33,164
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,328/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,717
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,648
−HK$945/mo
Today · 4.125%
HK$36,593
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,186/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$1,151/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$41,045
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,503
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,102/mo
Today · 4.125%
HK$42,692
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,384/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,810
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,266
−HK$1,480/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,772
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,076
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,472
−HK$1,417/mo
Today · 4.125%
HK$54,889
baseline
▲ 0.50% · 4.625%
HK$57,783
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,778/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,677 · Scale 2, in force from 26 Feb 2026)