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$26,929
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$851/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,742/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$815/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,665/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$1,021/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$978/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,700
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,191/mo
Today · 4.125%
HK$40,064
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,128/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,941
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,141/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,472
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,532/mo
Today · 4.125%
HK$51,511
baseline
▲ 0.50% · 4.625%
HK$54,646
+HK$3,135/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,022/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,924
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,468/mo
Today · 4.125%
HK$56,838
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,676/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,856 · Scale 2, in force from 26 Feb 2026)