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$26,925
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$851/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,954
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,757
−HK$815/mo
Today · 4.125%
HK$31,572
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,665/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,144/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$1,021/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$978/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,695
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,191/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,060
−HK$1,141/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,973
−HK$1,532/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,638
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,917
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,363
−HK$1,467/mo
Today · 4.125%
HK$56,830
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,660/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,799 · Scale 2, in force from 26 Feb 2026)