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$25,997
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$821/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$787/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,196
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$986/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$35,170
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$944/mo
Today · 4.125%
HK$36,581
baseline
▲ 0.50% · 4.625%
HK$38,509
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,162/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$1,150/mo
Today · 4.125%
HK$38,678
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,356/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,490
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,102/mo
Today · 4.125%
HK$42,678
baseline
▲ 0.50% · 4.625%
HK$44,927
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,356/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,795
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,250
−HK$1,479/mo
Today · 4.125%
HK$49,729
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,458/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,059
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,455
−HK$1,416/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$57,764
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,536 · Scale 2, in force from 26 Feb 2026)