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$25,999
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$821/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,311
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$787/mo
Today · 4.125%
HK$30,486
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,972/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,199
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$986/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$945/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$1,150/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,493
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,102/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,254
−HK$1,479/mo
Today · 4.125%
HK$49,733
baseline
▲ 0.50% · 4.625%
HK$52,759
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,466/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,062
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,459
−HK$1,416/mo
Today · 4.125%
HK$54,875
baseline
▲ 0.50% · 4.625%
HK$57,768
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,750/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,567 · Scale 2, in force from 26 Feb 2026)