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$26,007
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$822/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,709
−HK$787/mo
Today · 4.125%
HK$30,496
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,992/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,209
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$986/mo
Today · 4.125%
HK$33,166
baseline
▲ 0.50% · 4.625%
HK$35,184
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,332/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,720
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$944/mo
Today · 4.125%
HK$36,595
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,190/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,410
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$1,151/mo
Today · 4.125%
HK$38,694
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,388/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,506
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,593
−HK$1,102/mo
Today · 4.125%
HK$42,695
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,390/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,269
−HK$1,480/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,776
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,079
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,476
−HK$1,417/mo
Today · 4.125%
HK$54,893
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,786/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,706 · Scale 2, in force from 26 Feb 2026)