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$26,917
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$850/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,741/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$814/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,306
−HK$1,020/mo
Today · 4.125%
HK$34,326
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$2,089/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,652/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$978/mo
Today · 4.125%
HK$37,876
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$1,996/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,752/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,191/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,924
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,048
−HK$1,141/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,518
+HK$2,329/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,451
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,959
−HK$1,531/mo
Today · 4.125%
HK$51,490
baseline
▲ 0.50% · 4.625%
HK$54,623
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,980/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,347
−HK$1,467/mo
Today · 4.125%
HK$56,814
baseline
▲ 0.50% · 4.625%
HK$59,809
+HK$2,995/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,628/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,672 · Scale 2, in force from 26 Feb 2026)