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$26,898
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$850/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$814/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,203
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,281
−HK$1,020/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$977/mo
Today · 4.125%
HK$37,848
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,696/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,657
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,828
−HK$1,190/mo
Today · 4.125%
HK$40,018
baseline
▲ 0.50% · 4.625%
HK$42,453
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,036/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,893
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,016
−HK$1,140/mo
Today · 4.125%
HK$44,156
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,312/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,416
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,530/mo
Today · 4.125%
HK$51,452
baseline
▲ 0.50% · 4.625%
HK$54,583
+HK$3,131/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,904/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,862
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,307
−HK$1,465/mo
Today · 4.125%
HK$56,772
baseline
▲ 0.50% · 4.625%
HK$59,765
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,544/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,346 · Scale 2, in force from 26 Feb 2026)