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$26,631
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$841/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$806/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,952
−HK$1,010/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$967/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,449
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,178/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,478
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,590
−HK$1,129/mo
Today · 4.125%
HK$43,719
baseline
▲ 0.50% · 4.625%
HK$46,023
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,438/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,515/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$54,042
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,329
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,451/mo
Today · 4.125%
HK$56,210
baseline
▲ 0.50% · 4.625%
HK$59,173
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,420/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,966 · Scale 2, in force from 26 Feb 2026)