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$25,983
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$821/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$786/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,180
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,150
−HK$985/mo
Today · 4.125%
HK$33,135
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,270/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,688
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$944/mo
Today · 4.125%
HK$36,562
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,124/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,377
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$1,150/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,469
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,101/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$44,904
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,770
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,225
−HK$1,478/mo
Today · 4.125%
HK$49,703
baseline
▲ 0.50% · 4.625%
HK$52,727
+HK$3,024/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,406/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,031
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,427
−HK$1,416/mo
Today · 4.125%
HK$54,843
baseline
▲ 0.50% · 4.625%
HK$57,733
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,686/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,312 · Scale 2, in force from 26 Feb 2026)