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$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$849/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$814/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,661/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$1,019/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$977/mo
Today · 4.125%
HK$37,831
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,662/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,190/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,140/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,529/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,837
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,281
−HK$1,465/mo
Today · 4.125%
HK$56,746
baseline
▲ 0.50% · 4.625%
HK$59,737
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,492/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,143 · Scale 2, in force from 26 Feb 2026)