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$26,905
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$850/mo
Today · 4.125%
HK$28,592
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,184/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,932
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$815/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,212
+HK$1,663/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,286
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$1,021/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,881
−HK$977/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,667
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,190/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,465
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,904
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,140/mo
Today · 4.125%
HK$44,168
baseline
▲ 0.50% · 4.625%
HK$46,496
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,336/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,429
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,935
−HK$1,531/mo
Today · 4.125%
HK$51,466
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,932/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,877
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,466/mo
Today · 4.125%
HK$56,788
baseline
▲ 0.50% · 4.625%
HK$59,781
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,576/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,467 · Scale 2, in force from 26 Feb 2026)