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$26,001
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$822/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$787/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,201
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$986/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$945/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,515
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,402
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$1,150/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,497
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,583
−HK$1,101/mo
Today · 4.125%
HK$42,684
baseline
▲ 0.50% · 4.625%
HK$44,934
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,368/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,802
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,479/mo
Today · 4.125%
HK$49,737
baseline
▲ 0.50% · 4.625%
HK$52,764
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,474/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,067
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,417/mo
Today · 4.125%
HK$54,880
baseline
▲ 0.50% · 4.625%
HK$57,773
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,760/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,605 · Scale 2, in force from 26 Feb 2026)