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$26,010
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$822/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,323
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$788/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,212
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,183
−HK$987/mo
Today · 4.125%
HK$33,170
baseline
▲ 0.50% · 4.625%
HK$35,188
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,340/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$945/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,415
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$1,151/mo
Today · 4.125%
HK$38,698
baseline
▲ 0.50% · 4.625%
HK$41,053
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,396/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,511
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,103/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$44,950
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,819
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,275
−HK$1,480/mo
Today · 4.125%
HK$49,755
baseline
▲ 0.50% · 4.625%
HK$52,782
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,510/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,085
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,417/mo
Today · 4.125%
HK$54,899
baseline
▲ 0.50% · 4.625%
HK$57,793
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,798/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,755 · Scale 2, in force from 26 Feb 2026)