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$26,912
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$851/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$814/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$1,021/mo
Today · 4.125%
HK$34,320
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,640/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,928
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$978/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$39,865
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,849
−HK$1,191/mo
Today · 4.125%
HK$40,040
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,080/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,040
−HK$1,140/mo
Today · 4.125%
HK$44,180
baseline
▲ 0.50% · 4.625%
HK$46,509
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,360/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,949
−HK$1,531/mo
Today · 4.125%
HK$51,480
baseline
▲ 0.50% · 4.625%
HK$54,612
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,960/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,891
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,337
−HK$1,466/mo
Today · 4.125%
HK$56,803
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,606/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,587 · Scale 2, in force from 26 Feb 2026)