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$26,925
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$851/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,954
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$815/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,021/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$978/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,192/mo
Today · 4.125%
HK$40,060
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,120/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,141/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,466
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,973
−HK$1,532/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,639
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,918
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,467/mo
Today · 4.125%
HK$56,831
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,662/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,804 · Scale 2, in force from 26 Feb 2026)