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$26,913
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$851/mo
Today · 4.125%
HK$28,601
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,202/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$814/mo
Today · 4.125%
HK$31,558
baseline
▲ 0.50% · 4.625%
HK$33,222
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,116/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$1,020/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,929
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$978/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$39,866
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,190/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,917
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,141/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,531/mo
Today · 4.125%
HK$51,482
baseline
▲ 0.50% · 4.625%
HK$54,614
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,964/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,893
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,339
−HK$1,466/mo
Today · 4.125%
HK$56,805
baseline
▲ 0.50% · 4.625%
HK$59,799
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,610/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,603 · Scale 2, in force from 26 Feb 2026)