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$25,982
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$821/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$786/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,072
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$986/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$2,016/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$944/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,487
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$1,150/mo
Today · 4.125%
HK$38,656
baseline
▲ 0.50% · 4.625%
HK$41,008
+HK$2,352/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,312/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,467
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,552
−HK$1,101/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,768
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,222
−HK$1,478/mo
Today · 4.125%
HK$49,700
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,400/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,029
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,424
−HK$1,415/mo
Today · 4.125%
HK$54,839
baseline
▲ 0.50% · 4.625%
HK$57,730
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,678/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,288 · Scale 2, in force from 26 Feb 2026)