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$26,012
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$822/mo
Today · 4.125%
HK$27,643
baseline
▲ 0.50% · 4.625%
HK$29,325
+HK$1,682/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,286/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,938
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,714
−HK$788/mo
Today · 4.125%
HK$30,502
baseline
▲ 0.50% · 4.625%
HK$32,109
+HK$1,607/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$61,004/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$987/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$35,190
+HK$2,018/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,726
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$945/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$1,929/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,417
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$1,151/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$41,055
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,513
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,600
−HK$1,102/mo
Today · 4.125%
HK$42,702
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,251/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,404/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,822
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,278
−HK$1,480/mo
Today · 4.125%
HK$49,758
baseline
▲ 0.50% · 4.625%
HK$52,786
+HK$3,028/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,516/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,089
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,486
−HK$1,417/mo
Today · 4.125%
HK$54,903
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$2,894/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,806/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,783 · Scale 2, in force from 26 Feb 2026)