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$26,922
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$850/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$815/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,307
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$1,021/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,941
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$978/mo
Today · 4.125%
HK$37,883
baseline
▲ 0.50% · 4.625%
HK$39,879
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,766/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,691
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,192/mo
Today · 4.125%
HK$40,055
baseline
▲ 0.50% · 4.625%
HK$42,492
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,110/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,141/mo
Today · 4.125%
HK$44,196
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,392/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,460
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,967
−HK$1,532/mo
Today · 4.125%
HK$51,499
baseline
▲ 0.50% · 4.625%
HK$54,632
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$102,998/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,911
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,357
−HK$1,467/mo
Today · 4.125%
HK$56,824
baseline
▲ 0.50% · 4.625%
HK$59,819
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,648/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,750 · Scale 2, in force from 26 Feb 2026)