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$26,928
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$851/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$815/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,240
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$1,021/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$978/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,191/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,501
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,141/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,470
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,978
−HK$1,532/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,467/mo
Today · 4.125%
HK$56,836
baseline
▲ 0.50% · 4.625%
HK$59,832
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,672/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,845 · Scale 2, in force from 26 Feb 2026)