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$26,630
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$842/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,420
−HK$806/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$1,010/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$967/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,282
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,441
−HK$1,178/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$42,030
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,238/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,475
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,588
−HK$1,128/mo
Today · 4.125%
HK$43,716
baseline
▲ 0.50% · 4.625%
HK$46,021
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,432/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,933
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,424
−HK$1,515/mo
Today · 4.125%
HK$50,939
baseline
▲ 0.50% · 4.625%
HK$54,039
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,878/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,451/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,169
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,940 · Scale 2, in force from 26 Feb 2026)