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$26,638
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$841/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$807/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$1,010/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,561
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,515
−HK$968/mo
Today · 4.125%
HK$37,483
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,966/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,293
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,453
−HK$1,179/mo
Today · 4.125%
HK$39,632
baseline
▲ 0.50% · 4.625%
HK$42,043
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,264/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,488
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,129/mo
Today · 4.125%
HK$43,730
baseline
▲ 0.50% · 4.625%
HK$46,035
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,460/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,948
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,440
−HK$1,515/mo
Today · 4.125%
HK$50,955
baseline
▲ 0.50% · 4.625%
HK$54,056
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,910/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,342
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,773
−HK$1,451/mo
Today · 4.125%
HK$56,224
baseline
▲ 0.50% · 4.625%
HK$59,188
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,448/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,076 · Scale 2, in force from 26 Feb 2026)