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$26,921
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$851/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$815/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,305
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$1,021/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,939
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$978/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$39,877
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,689
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,191/mo
Today · 4.125%
HK$40,052
baseline
▲ 0.50% · 4.625%
HK$42,490
+HK$2,438/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,104/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,929
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,053
−HK$1,141/mo
Today · 4.125%
HK$44,194
baseline
▲ 0.50% · 4.625%
HK$46,523
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,388/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,457
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,965
−HK$1,531/mo
Today · 4.125%
HK$51,496
baseline
▲ 0.50% · 4.625%
HK$54,629
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$102,992/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,908
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,354
−HK$1,467/mo
Today · 4.125%
HK$56,821
baseline
▲ 0.50% · 4.625%
HK$59,816
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.63M · min. income ≈ HK$113,642/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,726 · Scale 2, in force from 26 Feb 2026)