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$26,897
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$850/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,922
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$814/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,201
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,280
−HK$1,020/mo
Today · 4.125%
HK$34,300
baseline
▲ 0.50% · 4.625%
HK$36,387
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,600/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,907
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,870
−HK$977/mo
Today · 4.125%
HK$37,847
baseline
▲ 0.50% · 4.625%
HK$39,842
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,694/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,190/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,139/mo
Today · 4.125%
HK$44,154
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,308/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,920
−HK$1,530/mo
Today · 4.125%
HK$51,450
baseline
▲ 0.50% · 4.625%
HK$54,581
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,900/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,860
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,465/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$59,762
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,330 · Scale 2, in force from 26 Feb 2026)