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$26,000
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$822/mo
Today · 4.125%
HK$27,631
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,262/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$787/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$986/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$944/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,533
−HK$1,150/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,581
−HK$1,102/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$44,933
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,800
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,256
−HK$1,479/mo
Today · 4.125%
HK$49,735
baseline
▲ 0.50% · 4.625%
HK$52,761
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,470/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,065
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,461
−HK$1,417/mo
Today · 4.125%
HK$54,878
baseline
▲ 0.50% · 4.625%
HK$57,771
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,756/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,588 · Scale 2, in force from 26 Feb 2026)