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$26,626
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$842/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,621
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$806/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,951
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,945
−HK$1,010/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$36,021
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,545
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$967/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,276
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,436
−HK$1,178/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$42,024
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,470
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,582
−HK$1,128/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,927
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,418
−HK$1,514/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$54,031
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,318
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,748
−HK$1,451/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,879 · Scale 2, in force from 26 Feb 2026)