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$26,927
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$851/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$815/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,665/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$1,022/mo
Today · 4.125%
HK$34,339
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,678/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$978/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,192/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,499
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,141/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,534
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,532/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,921
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,367
−HK$1,467/mo
Today · 4.125%
HK$56,834
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,668/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,828 · Scale 2, in force from 26 Feb 2026)