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$26,888
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$850/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,313
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,913
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$814/mo
Today · 4.125%
HK$31,529
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,058/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,270
−HK$1,020/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,376
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,896
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$976/mo
Today · 4.125%
HK$37,835
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,670/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,190/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,439
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,002
−HK$1,139/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,529/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,564
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,844
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,288
−HK$1,465/mo
Today · 4.125%
HK$56,753
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,506/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,196 · Scale 2, in force from 26 Feb 2026)