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$25,985
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$821/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$786/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$986/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$35,153
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,689
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$944/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,490
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,378
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,510
−HK$1,150/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$41,012
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,556
−HK$1,101/mo
Today · 4.125%
HK$42,657
baseline
▲ 0.50% · 4.625%
HK$44,906
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,314/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,772
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,227
−HK$1,478/mo
Today · 4.125%
HK$49,705
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,410/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,034
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,429
−HK$1,416/mo
Today · 4.125%
HK$54,845
baseline
▲ 0.50% · 4.625%
HK$57,736
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,690/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,329 · Scale 2, in force from 26 Feb 2026)