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$25,987
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$821/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,297
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$787/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,185
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$985/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,693
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$944/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,495
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,382
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$1,150/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$41,016
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,102/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,777
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,478/mo
Today · 4.125%
HK$49,710
baseline
▲ 0.50% · 4.625%
HK$52,735
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,420/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,039
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,435
−HK$1,416/mo
Today · 4.125%
HK$54,851
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,702/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,375 · Scale 2, in force from 26 Feb 2026)