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$25,991
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$822/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$787/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,189
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,159
−HK$986/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$944/mo
Today · 4.125%
HK$36,572
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,144/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,387
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,519
−HK$1,150/mo
Today · 4.125%
HK$38,669
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,338/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,480
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,566
−HK$1,101/mo
Today · 4.125%
HK$42,667
baseline
▲ 0.50% · 4.625%
HK$44,916
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,334/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,783
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,238
−HK$1,479/mo
Today · 4.125%
HK$49,717
baseline
▲ 0.50% · 4.625%
HK$52,742
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,434/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,046
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,442
−HK$1,416/mo
Today · 4.125%
HK$54,858
baseline
▲ 0.50% · 4.625%
HK$57,749
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,716/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,431 · Scale 2, in force from 26 Feb 2026)