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$26,910
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$851/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$815/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$1,020/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,925
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,888
−HK$978/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,846
−HK$1,191/mo
Today · 4.125%
HK$40,037
baseline
▲ 0.50% · 4.625%
HK$42,473
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,074/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,913
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,140/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,439
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,945
−HK$1,531/mo
Today · 4.125%
HK$51,476
baseline
▲ 0.50% · 4.625%
HK$54,608
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,952/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,888
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,333
−HK$1,466/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$59,793
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,555 · Scale 2, in force from 26 Feb 2026)