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$26,907
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$850/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$814/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$1,020/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,884
−HK$977/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,841
−HK$1,191/mo
Today · 4.125%
HK$40,032
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,064/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,907
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,031
−HK$1,140/mo
Today · 4.125%
HK$44,171
baseline
▲ 0.50% · 4.625%
HK$46,500
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,342/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,433
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,531/mo
Today · 4.125%
HK$51,470
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,940/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,881
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,326
−HK$1,466/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$59,785
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,499 · Scale 2, in force from 26 Feb 2026)