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$26,919
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$851/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$815/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$1,021/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,936
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$978/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,686
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,191/mo
Today · 4.125%
HK$40,049
baseline
▲ 0.50% · 4.625%
HK$42,486
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,098/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,140/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,454
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,961
−HK$1,531/mo
Today · 4.125%
HK$51,492
baseline
▲ 0.50% · 4.625%
HK$54,625
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,984/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,904
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,350
−HK$1,466/mo
Today · 4.125%
HK$56,816
baseline
▲ 0.50% · 4.625%
HK$59,811
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,632/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,691 · Scale 2, in force from 26 Feb 2026)