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$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$788/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$986/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$2,019/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$427,797 · 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$38,533
+HK$1,930/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$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,418
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$1,151/mo
Today · 4.125%
HK$38,702
baseline
▲ 0.50% · 4.625%
HK$41,057
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,404/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,601
−HK$1,103/mo
Today · 4.125%
HK$42,704
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,408/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,823
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,480/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,417/mo
Today · 4.125%
HK$54,905
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,810/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,797 · Scale 2, in force from 26 Feb 2026)