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$26,003
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$822/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$787/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,175
−HK$986/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$945/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,180/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$1,150/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$41,041
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,500
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,586
−HK$1,102/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$44,938
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,479/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,071
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,468
−HK$1,416/mo
Today · 4.125%
HK$54,884
baseline
▲ 0.50% · 4.625%
HK$57,777
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,768/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,638 · Scale 2, in force from 26 Feb 2026)