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$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$850/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$814/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$1,020/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$976/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,189/mo
Today · 4.125%
HK$39,999
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,998/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,139/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,898
−HK$1,530/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,837
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,280
−HK$1,465/mo
Today · 4.125%
HK$56,745
baseline
▲ 0.50% · 4.625%
HK$59,736
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,490/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,137 · Scale 2, in force from 26 Feb 2026)