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$25,986
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$821/mo
Today · 4.125%
HK$27,616
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,232/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,685
−HK$787/mo
Today · 4.125%
HK$30,472
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,944/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$985/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$944/mo
Today · 4.125%
HK$36,566
baseline
▲ 0.50% · 4.625%
HK$38,493
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,132/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,513
−HK$1,149/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$41,015
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,474
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,101/mo
Today · 4.125%
HK$42,660
baseline
▲ 0.50% · 4.625%
HK$44,909
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,320/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,478/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,037
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,416/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,698/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,361 · Scale 2, in force from 26 Feb 2026)