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$26,886
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$850/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$814/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$1,020/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$976/mo
Today · 4.125%
HK$37,831
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,662/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,189/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,139/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,394
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,530/mo
Today · 4.125%
HK$51,429
baseline
▲ 0.50% · 4.625%
HK$54,558
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,858/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,838
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,282
−HK$1,465/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$59,738
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,148 · Scale 2, in force from 26 Feb 2026)