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$26,899
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$850/mo
Today · 4.125%
HK$28,585
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,170/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,924
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$814/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$1,020/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,390
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$977/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,658
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,191/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,455
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,894
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,018
−HK$1,140/mo
Today · 4.125%
HK$44,158
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,316/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,530/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,864
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,309
−HK$1,465/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,362 · Scale 2, in force from 26 Feb 2026)