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$26,655
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$842/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,724/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$807/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,648/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,510/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$1,010/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$968/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,483
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,180/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,129/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,516/mo
Today · 4.125%
HK$50,987
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,974/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,807
−HK$1,452/mo
Today · 4.125%
HK$56,259
baseline
▲ 0.50% · 4.625%
HK$59,225
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,518/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,351 · Scale 2, in force from 26 Feb 2026)