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$26,005
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$821/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$787/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$944/mo
Today · 4.125%
HK$36,591
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,182/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$1,150/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,044
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,502
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,102/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,264
−HK$1,480/mo
Today · 4.125%
HK$49,744
baseline
▲ 0.50% · 4.625%
HK$52,770
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,488/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,074
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,470
−HK$1,417/mo
Today · 4.125%
HK$54,887
baseline
▲ 0.50% · 4.625%
HK$57,780
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,774/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,660 · Scale 2, in force from 26 Feb 2026)