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$25,992
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$822/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,680/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$787/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,160
−HK$986/mo
Today · 4.125%
HK$33,146
baseline
▲ 0.50% · 4.625%
HK$35,163
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,292/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,629
−HK$944/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,501
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$1,150/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,353/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,482
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,568
−HK$1,101/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$44,918
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,240
−HK$1,479/mo
Today · 4.125%
HK$49,719
baseline
▲ 0.50% · 4.625%
HK$52,744
+HK$3,025/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,438/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,048
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,416/mo
Today · 4.125%
HK$54,860
baseline
▲ 0.50% · 4.625%
HK$57,752
+HK$2,892/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,720/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,449 · Scale 2, in force from 26 Feb 2026)