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$26,908
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$850/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,935
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$815/mo
Today · 4.125%
HK$31,552
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,104/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,289
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$1,020/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,402
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$977/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,843
−HK$1,190/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,141/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,434
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,531/mo
Today · 4.125%
HK$51,471
baseline
▲ 0.50% · 4.625%
HK$54,603
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,942/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,466/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$59,787
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,511 · Scale 2, in force from 26 Feb 2026)