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$26,629
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$842/mo
Today · 4.125%
HK$28,299
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,598/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$806/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,955
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,949
−HK$1,010/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$36,025
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,503
−HK$967/mo
Today · 4.125%
HK$37,470
baseline
▲ 0.50% · 4.625%
HK$39,445
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,940/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,281
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,178/mo
Today · 4.125%
HK$39,618
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,236/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,587
−HK$1,128/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,019
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,515/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$54,037
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,451/mo
Today · 4.125%
HK$56,205
baseline
▲ 0.50% · 4.625%
HK$59,168
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,410/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,928 · Scale 2, in force from 26 Feb 2026)