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$26,892
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$850/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,738/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$814/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$1,020/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,381
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$976/mo
Today · 4.125%
HK$37,840
baseline
▲ 0.50% · 4.625%
HK$39,835
+HK$1,995/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,680/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,190/mo
Today · 4.125%
HK$40,010
baseline
▲ 0.50% · 4.625%
HK$42,444
+HK$2,434/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,020/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,884
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,007
−HK$1,140/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,406
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,912
−HK$1,529/mo
Today · 4.125%
HK$51,441
baseline
▲ 0.50% · 4.625%
HK$54,571
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,882/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,851
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,295
−HK$1,465/mo
Today · 4.125%
HK$56,760
baseline
▲ 0.50% · 4.625%
HK$59,752
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,520/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,256 · Scale 2, in force from 26 Feb 2026)