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$26,896
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$850/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,322
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,922
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$814/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,201
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$1,020/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$977/mo
Today · 4.125%
HK$37,846
baseline
▲ 0.50% · 4.625%
HK$39,841
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,692/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,190/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,451
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,014
−HK$1,140/mo
Today · 4.125%
HK$44,154
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,308/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,530/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,859
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,465/mo
Today · 4.125%
HK$56,769
baseline
▲ 0.50% · 4.625%
HK$59,761
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,538/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,323 · Scale 2, in force from 26 Feb 2026)