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$26,911
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$850/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$814/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,294
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$1,021/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$2,088/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,926
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$977/mo
Today · 4.125%
HK$37,867
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$1,997/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,734/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,191/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,141/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,507
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,441
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,531/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,611
+HK$3,133/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,335
−HK$1,466/mo
Today · 4.125%
HK$56,801
baseline
▲ 0.50% · 4.625%
HK$59,795
+HK$2,994/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,602/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,574 · Scale 2, in force from 26 Feb 2026)