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$26,016
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$822/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,719
−HK$787/mo
Today · 4.125%
HK$30,506
baseline
▲ 0.50% · 4.625%
HK$32,114
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,012/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$987/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$35,195
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$945/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.85M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,422
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$1,151/mo
Today · 4.125%
HK$38,706
baseline
▲ 0.50% · 4.625%
HK$41,061
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,412/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,606
−HK$1,102/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$44,960
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,828
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,285
−HK$1,480/mo
Today · 4.125%
HK$49,765
baseline
▲ 0.50% · 4.625%
HK$52,793
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,530/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,096
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,493
−HK$1,418/mo
Today · 4.125%
HK$54,911
baseline
▲ 0.50% · 4.625%
HK$57,805
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,822/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,844 · Scale 2, in force from 26 Feb 2026)