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$26,919
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$851/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$815/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,308
−HK$1,020/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,937
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$978/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,191/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,487
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,926
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,141/mo
Today · 4.125%
HK$44,191
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,382/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,454
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,961
−HK$1,532/mo
Today · 4.125%
HK$51,493
baseline
▲ 0.50% · 4.625%
HK$54,626
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,986/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,905
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,350
−HK$1,467/mo
Today · 4.125%
HK$56,817
baseline
▲ 0.50% · 4.625%
HK$59,812
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,634/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,697 · Scale 2, in force from 26 Feb 2026)