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$26,006
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$822/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$787/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$987/mo
Today · 4.125%
HK$33,165
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,330/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,718
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,649
−HK$945/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,523
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$1,151/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,504
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,102/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$44,943
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,811
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,480/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,774
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,077
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,474
−HK$1,417/mo
Today · 4.125%
HK$54,891
baseline
▲ 0.50% · 4.625%
HK$57,784
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,782/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,687 · Scale 2, in force from 26 Feb 2026)