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$26,893
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$850/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,739/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,918
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,721
−HK$814/mo
Today · 4.125%
HK$31,535
baseline
▲ 0.50% · 4.625%
HK$33,197
+HK$1,662/mo
Deposit HK$5.90M · loan HK$5.90M · min. income ≈ HK$63,070/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,272
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$1,019/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$2,087/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$977/mo
Today · 4.125%
HK$37,842
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.08M · min. income ≈ HK$75,684/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,650
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,190/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,435/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,009
−HK$1,140/mo
Today · 4.125%
HK$44,149
baseline
▲ 0.50% · 4.625%
HK$46,476
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.26M · min. income ≈ HK$88,298/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,408
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,913
−HK$1,530/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$3,130/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,853
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,297
−HK$1,465/mo
Today · 4.125%
HK$56,762
baseline
▲ 0.50% · 4.625%
HK$59,754
+HK$2,992/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,524/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,271 · Scale 2, in force from 26 Feb 2026)