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$26,002
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$822/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,927
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$787/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$944/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,402
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$1,150/mo
Today · 4.125%
HK$38,685
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,370/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,497
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,583
−HK$1,102/mo
Today · 4.125%
HK$42,685
baseline
▲ 0.50% · 4.625%
HK$44,935
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,370/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,803
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,479/mo
Today · 4.125%
HK$49,738
baseline
▲ 0.50% · 4.625%
HK$52,764
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,476/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,068
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,464
−HK$1,417/mo
Today · 4.125%
HK$54,881
baseline
▲ 0.50% · 4.625%
HK$57,774
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,762/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,611 · Scale 2, in force from 26 Feb 2026)