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$26,011
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,820
−HK$822/mo
Today · 4.125%
HK$27,642
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,284/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$787/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,608/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$986/mo
Today · 4.125%
HK$33,170
baseline
▲ 0.50% · 4.625%
HK$35,189
+HK$2,019/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,340/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$944/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,530
+HK$1,930/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,415
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,548
−HK$1,151/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,355/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,598
−HK$1,102/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$44,951
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,276
−HK$1,480/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,783
+HK$3,027/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,086
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,483
−HK$1,418/mo
Today · 4.125%
HK$54,901
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$2,893/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,802/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,764 · Scale 2, in force from 26 Feb 2026)