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$26,889
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$849/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$814/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$1,019/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$977/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,672/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,816
−HK$1,189/mo
Today · 4.125%
HK$40,005
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,010/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,139/mo
Today · 4.125%
HK$44,142
baseline
▲ 0.50% · 4.625%
HK$46,469
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,284/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,400
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,530/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,565
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,289
−HK$1,465/mo
Today · 4.125%
HK$56,754
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,508/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,206 · Scale 2, in force from 26 Feb 2026)