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$25,989
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$822/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,299
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$786/mo
Today · 4.125%
HK$30,474
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,948/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$985/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$944/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$1,150/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$41,019
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,477
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,563
−HK$1,101/mo
Today · 4.125%
HK$42,664
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,328/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,780
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,235
−HK$1,478/mo
Today · 4.125%
HK$49,713
baseline
▲ 0.50% · 4.625%
HK$52,738
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,426/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,042
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,438
−HK$1,416/mo
Today · 4.125%
HK$54,854
baseline
▲ 0.50% · 4.625%
HK$57,745
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,708/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,400 · Scale 2, in force from 26 Feb 2026)