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$25,979
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$821/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,288
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$786/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,175
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$985/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$944/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,371
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$1,150/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$41,004
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,548
−HK$1,101/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,763
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,217
−HK$1,478/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,719
+HK$3,024/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,023
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,416/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,244 · Scale 2, in force from 26 Feb 2026)