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$25,973
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$821/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$786/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$984/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$943/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,493
−HK$1,149/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,452
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,100/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$44,885
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,751
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,477/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,415/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$57,709
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,132 · Scale 2, in force from 26 Feb 2026)