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$25,988
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$822/mo
Today · 4.125%
HK$27,618
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,236/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$786/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,607/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$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$985/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$944/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,515
−HK$1,150/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,476
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,562
−HK$1,101/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$44,912
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,779
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,234
−HK$1,478/mo
Today · 4.125%
HK$49,712
baseline
▲ 0.50% · 4.625%
HK$52,737
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,424/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,041
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,436
−HK$1,416/mo
Today · 4.125%
HK$54,852
baseline
▲ 0.50% · 4.625%
HK$57,744
+HK$2,892/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,704/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,388 · Scale 2, in force from 26 Feb 2026)