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$25,995
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$822/mo
Today · 4.125%
HK$27,625
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,250/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$786/mo
Today · 4.125%
HK$30,481
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,962/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$986/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,703
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,633
−HK$945/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$1,150/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,572
−HK$1,102/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$44,923
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,791
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,246
−HK$1,479/mo
Today · 4.125%
HK$49,725
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,450/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,054
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,450
−HK$1,416/mo
Today · 4.125%
HK$54,866
baseline
▲ 0.50% · 4.625%
HK$57,758
+HK$2,892/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,732/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,498 · Scale 2, in force from 26 Feb 2026)