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$26,916
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$851/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$815/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$1,021/mo
Today · 4.125%
HK$34,324
baseline
▲ 0.50% · 4.625%
HK$36,413
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,896
−HK$977/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$39,870
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,854
−HK$1,191/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,482
+HK$2,437/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,921
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,045
−HK$1,141/mo
Today · 4.125%
HK$44,186
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,372/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,448
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,955
−HK$1,531/mo
Today · 4.125%
HK$51,486
baseline
▲ 0.50% · 4.625%
HK$54,619
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,972/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,898
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,466/mo
Today · 4.125%
HK$56,810
baseline
▲ 0.50% · 4.625%
HK$59,805
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,620/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,643 · Scale 2, in force from 26 Feb 2026)