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$26,891
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$850/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,916
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$814/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,195
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,270
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$1,020/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,900
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$977/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$39,834
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,648
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,190/mo
Today · 4.125%
HK$40,009
baseline
▲ 0.50% · 4.625%
HK$42,443
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,018/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,140/mo
Today · 4.125%
HK$44,146
baseline
▲ 0.50% · 4.625%
HK$46,473
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,292/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,404
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,530/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,570
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,849
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,294
−HK$1,465/mo
Today · 4.125%
HK$56,759
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,518/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,243 · Scale 2, in force from 26 Feb 2026)