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$26,013
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$822/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$787/mo
Today · 4.125%
HK$30,502
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,004/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$987/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,346/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,658
−HK$945/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,418
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$1,151/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$41,056
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,514
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,601
−HK$1,102/mo
Today · 4.125%
HK$42,703
baseline
▲ 0.50% · 4.625%
HK$44,954
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,406/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,823
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,279
−HK$1,480/mo
Today · 4.125%
HK$49,759
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,518/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,090
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,487
−HK$1,417/mo
Today · 4.125%
HK$54,904
baseline
▲ 0.50% · 4.625%
HK$57,798
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,808/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,792 · Scale 2, in force from 26 Feb 2026)