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$26,887
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$850/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$813/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,189
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$1,019/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$977/mo
Today · 4.125%
HK$37,833
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,666/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,812
−HK$1,190/mo
Today · 4.125%
HK$40,002
baseline
▲ 0.50% · 4.625%
HK$42,436
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$80,004/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,876
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,999
−HK$1,139/mo
Today · 4.125%
HK$44,138
baseline
▲ 0.50% · 4.625%
HK$46,465
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,276/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,396
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,529/mo
Today · 4.125%
HK$51,431
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,862/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,840
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,284
−HK$1,465/mo
Today · 4.125%
HK$56,749
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,498/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,169 · Scale 2, in force from 26 Feb 2026)