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$25,990
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$821/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$787/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$986/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,696
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$944/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,386
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,518
−HK$1,150/mo
Today · 4.125%
HK$38,668
baseline
▲ 0.50% · 4.625%
HK$41,021
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,336/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,101/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,782
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,237
−HK$1,479/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,741
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,045
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,416/mo
Today · 4.125%
HK$54,857
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,714/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,421 · Scale 2, in force from 26 Feb 2026)