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$26,016
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$823/mo
Today · 4.125%
HK$27,648
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,296/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,719
−HK$787/mo
Today · 4.125%
HK$30,506
baseline
▲ 0.50% · 4.625%
HK$32,114
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,012/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$987/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,663
−HK$945/mo
Today · 4.125%
HK$36,608
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,216/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$1,151/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$41,062
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,520
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,606
−HK$1,103/mo
Today · 4.125%
HK$42,709
baseline
▲ 0.50% · 4.625%
HK$44,960
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,418/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,829
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,480/mo
Today · 4.125%
HK$49,766
baseline
▲ 0.50% · 4.625%
HK$52,794
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,532/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,494
−HK$1,417/mo
Today · 4.125%
HK$54,911
baseline
▲ 0.50% · 4.625%
HK$57,806
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,822/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,849 · Scale 2, in force from 26 Feb 2026)