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$26,901
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$850/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$814/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,206
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$1,020/mo
Today · 4.125%
HK$34,305
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,610/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,912
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,875
−HK$977/mo
Today · 4.125%
HK$37,852
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,704/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,661
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,190/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,898
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,140/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,530/mo
Today · 4.125%
HK$51,458
baseline
▲ 0.50% · 4.625%
HK$54,589
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,916/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,868
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,313
−HK$1,466/mo
Today · 4.125%
HK$56,779
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,558/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,398 · Scale 2, in force from 26 Feb 2026)