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$25,985
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$822/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$787/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,076
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,152
−HK$985/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$944/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$1,149/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,557
−HK$1,101/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$44,906
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,773
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,228
−HK$1,478/mo
Today · 4.125%
HK$49,706
baseline
▲ 0.50% · 4.625%
HK$52,731
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,412/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,430
−HK$1,416/mo
Today · 4.125%
HK$54,846
baseline
▲ 0.50% · 4.625%
HK$57,737
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,692/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,338 · Scale 2, in force from 26 Feb 2026)