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$26,907
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$851/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,740/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$814/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,664/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$1,021/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$978/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,669
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,841
−HK$1,190/mo
Today · 4.125%
HK$40,031
baseline
▲ 0.50% · 4.625%
HK$42,467
+HK$2,436/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,062/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,907
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,141/mo
Today · 4.125%
HK$44,171
baseline
▲ 0.50% · 4.625%
HK$46,499
+HK$2,328/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,342/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,432
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,531/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$3,132/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,466/mo
Today · 4.125%
HK$56,791
baseline
▲ 0.50% · 4.625%
HK$59,784
+HK$2,993/mo
Deposit HK$1.18M · loan HK$10.62M · min. income ≈ HK$113,582/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,493 · Scale 2, in force from 26 Feb 2026)