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$26,017
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$822/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,331
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$788/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$987/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,733
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$945/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$1,151/mo
Today · 4.125%
HK$38,708
baseline
▲ 0.50% · 4.625%
HK$41,064
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,416/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,103/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,288
−HK$1,480/mo
Today · 4.125%
HK$49,768
baseline
▲ 0.50% · 4.625%
HK$52,796
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,536/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,099
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,496
−HK$1,418/mo
Today · 4.125%
HK$54,914
baseline
▲ 0.50% · 4.625%
HK$57,808
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,828/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,868 · Scale 2, in force from 26 Feb 2026)