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$26,656
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$843/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$807/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$1,011/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,585
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$968/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,180/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$42,072
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,630
−HK$1,129/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,066
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,518/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,981
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,473
−HK$1,517/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,452/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,371 · Scale 2, in force from 26 Feb 2026)