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$26,014
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$822/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$788/mo
Today · 4.125%
HK$30,504
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,008/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$987/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$35,193
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,728
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,659
−HK$945/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,534
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,151/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,603
−HK$1,102/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,480/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,417/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,810 · Scale 2, in force from 26 Feb 2026)