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$25,975
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$821/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,679/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$786/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,605/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$985/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$35,140
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$943/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$1,149/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,101/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,754
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,477/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,024/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,415/mo
Today · 4.125%
HK$54,824
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,648/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,168 · Scale 2, in force from 26 Feb 2026)