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$26,917
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$850/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$814/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$1,020/mo
Today · 4.125%
HK$34,325
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,650/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,933
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$978/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,683
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,191/mo
Today · 4.125%
HK$40,046
baseline
▲ 0.50% · 4.625%
HK$42,483
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,092/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,922
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,140/mo
Today · 4.125%
HK$44,187
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,374/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,531/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,900
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,346
−HK$1,466/mo
Today · 4.125%
HK$56,812
baseline
▲ 0.50% · 4.625%
HK$59,807
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,624/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,658 · Scale 2, in force from 26 Feb 2026)