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$26,929
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$852/mo
Today · 4.125%
HK$28,618
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,236/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$815/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,315
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$1,021/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,431
+HK$2,090/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,950
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$978/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.09M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,700
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,192/mo
Today · 4.125%
HK$40,065
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$80,130/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,941
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,141/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,330/mo
Deposit HK$3.54M · loan HK$8.27M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,472
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,980
−HK$1,532/mo
Today · 4.125%
HK$51,512
baseline
▲ 0.50% · 4.625%
HK$54,646
+HK$3,134/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$103,024/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,925
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,371
−HK$1,467/mo
Today · 4.125%
HK$56,838
baseline
▲ 0.50% · 4.625%
HK$59,834
+HK$2,996/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,676/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,859 · Scale 2, in force from 26 Feb 2026)