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$25,981
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$822/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$787/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,605/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$986/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$35,149
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,685
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,615
−HK$944/mo
Today · 4.125%
HK$36,559
baseline
▲ 0.50% · 4.625%
HK$38,486
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,118/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$1,150/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,466
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,551
−HK$1,101/mo
Today · 4.125%
HK$42,652
baseline
▲ 0.50% · 4.625%
HK$44,900
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,304/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,766
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,478/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$3,024/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,422
−HK$1,416/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,277 · Scale 2, in force from 26 Feb 2026)