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$26,914
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$851/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$815/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$1,021/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$978/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,191/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,141/mo
Today · 4.125%
HK$44,183
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,366/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,445
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,531/mo
Today · 4.125%
HK$51,483
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,966/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,895
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,466/mo
Today · 4.125%
HK$56,806
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,612/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,613 · Scale 2, in force from 26 Feb 2026)