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$26,912
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$850/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$815/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,294
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$1,020/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$977/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,849
−HK$1,190/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,915
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,039
−HK$1,140/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,948
−HK$1,531/mo
Today · 4.125%
HK$51,479
baseline
▲ 0.50% · 4.625%
HK$54,611
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,958/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,336
−HK$1,466/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$59,796
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,580 · Scale 2, in force from 26 Feb 2026)