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$26,893
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$850/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,918
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$814/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,197
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$1,020/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$977/mo
Today · 4.125%
HK$37,841
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,682/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,650
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,190/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,885
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,140/mo
Today · 4.125%
HK$44,148
baseline
▲ 0.50% · 4.625%
HK$46,475
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,296/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,407
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,913
−HK$1,530/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,852
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,297
−HK$1,465/mo
Today · 4.125%
HK$56,762
baseline
▲ 0.50% · 4.625%
HK$59,754
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,524/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,266 · Scale 2, in force from 26 Feb 2026)