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$26,900
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$850/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$814/mo
Today · 4.125%
HK$31,542
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,084/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,279
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$1,020/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,911
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$977/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$39,846
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,190/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,896
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,140/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,487
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,419
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,925
−HK$1,530/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,866
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,311
−HK$1,465/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$59,769
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,377 · Scale 2, in force from 26 Feb 2026)