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$1,686/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$850/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$814/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,662/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$442,312 · 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$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,905
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$977/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,190/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,013
−HK$1,140/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,480
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,412
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,530/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,466/mo
Today · 4.125%
HK$56,768
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,536/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,312 · Scale 2, in force from 26 Feb 2026)