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$26,008
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,817
−HK$822/mo
Today · 4.125%
HK$27,639
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,278/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,709
−HK$788/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,712 · 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$35,185
+HK$2,019/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$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,720
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$945/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,525
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$1,151/mo
Today · 4.125%
HK$38,694
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,355/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$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,593
−HK$1,102/mo
Today · 4.125%
HK$42,695
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,251/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$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,480/mo
Today · 4.125%
HK$49,750
baseline
▲ 0.50% · 4.625%
HK$52,777
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,500/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,080
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,477
−HK$1,417/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,712 · Scale 2, in force from 26 Feb 2026)