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$26,004
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$822/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$787/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,715
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$945/mo
Today · 4.125%
HK$36,591
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,182/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$1,151/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,587
−HK$1,102/mo
Today · 4.125%
HK$42,689
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,378/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,264
−HK$1,479/mo
Today · 4.125%
HK$49,743
baseline
▲ 0.50% · 4.625%
HK$52,770
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,486/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,073
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,470
−HK$1,416/mo
Today · 4.125%
HK$54,886
baseline
▲ 0.50% · 4.625%
HK$57,779
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,772/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,653 · Scale 2, in force from 26 Feb 2026)