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$26,914
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$850/mo
Today · 4.125%
HK$28,601
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,202/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$815/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,222
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$1,021/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,929
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$977/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,191/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,140/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,531/mo
Today · 4.125%
HK$51,482
baseline
▲ 0.50% · 4.625%
HK$54,615
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,964/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,894
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,339
−HK$1,467/mo
Today · 4.125%
HK$56,806
baseline
▲ 0.50% · 4.625%
HK$59,800
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,612/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,608 · Scale 2, in force from 26 Feb 2026)