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$26,015
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$822/mo
Today · 4.125%
HK$27,646
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,683/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,292/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$787/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$987/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$945/mo
Today · 4.125%
HK$36,606
baseline
▲ 0.50% · 4.625%
HK$38,536
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,212/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,554
−HK$1,151/mo
Today · 4.125%
HK$38,705
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,410/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,518
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,605
−HK$1,102/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$44,958
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,827
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,480/mo
Today · 4.125%
HK$49,764
baseline
▲ 0.50% · 4.625%
HK$52,792
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,528/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,095
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,492
−HK$1,417/mo
Today · 4.125%
HK$54,909
baseline
▲ 0.50% · 4.625%
HK$57,804
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,818/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,832 · Scale 2, in force from 26 Feb 2026)