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$26,009
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$821/mo
Today · 4.125%
HK$27,639
baseline
▲ 0.50% · 4.625%
HK$29,321
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,278/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$787/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,181
−HK$986/mo
Today · 4.125%
HK$33,167
baseline
▲ 0.50% · 4.625%
HK$35,186
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,334/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$945/mo
Today · 4.125%
HK$36,597
baseline
▲ 0.50% · 4.625%
HK$38,526
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,194/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,412
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,545
−HK$1,150/mo
Today · 4.125%
HK$38,695
baseline
▲ 0.50% · 4.625%
HK$41,050
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,390/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,508
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,594
−HK$1,102/mo
Today · 4.125%
HK$42,696
baseline
▲ 0.50% · 4.625%
HK$44,947
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,392/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,815
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,479/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,082
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,417/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,724 · Scale 2, in force from 26 Feb 2026)