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$25,976
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,784
−HK$821/mo
Today · 4.125%
HK$27,605
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,210/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,898
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,673
−HK$786/mo
Today · 4.125%
HK$30,459
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,918/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$985/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$943/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,498
−HK$1,149/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,101/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,757
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,478/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,017
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,412
−HK$1,415/mo
Today · 4.125%
HK$54,827
baseline
▲ 0.50% · 4.625%
HK$57,717
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,654/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,190 · Scale 2, in force from 26 Feb 2026)