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$26,009
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$822/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,935
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$787/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,996/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$986/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$35,187
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,722
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$945/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,546
−HK$1,150/mo
Today · 4.125%
HK$38,696
baseline
▲ 0.50% · 4.625%
HK$41,051
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,392/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,102/mo
Today · 4.125%
HK$42,698
baseline
▲ 0.50% · 4.625%
HK$44,948
+HK$2,250/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,396/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,817
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,273
−HK$1,480/mo
Today · 4.125%
HK$49,753
baseline
▲ 0.50% · 4.625%
HK$52,780
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,506/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,083
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,480
−HK$1,417/mo
Today · 4.125%
HK$54,897
baseline
▲ 0.50% · 4.625%
HK$57,791
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,794/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,737 · Scale 2, in force from 26 Feb 2026)