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$26,651
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$843/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$30,046
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,649
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$806/mo
Today · 4.125%
HK$31,251
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,648/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,502/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,982
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$1,010/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$968/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$1,976/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,312
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,473
−HK$1,179/mo
Today · 4.125%
HK$39,652
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,304/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,130/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,058
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,973
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,465
−HK$1,516/mo
Today · 4.125%
HK$50,981
baseline
▲ 0.50% · 4.625%
HK$54,083
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,962/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,369
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,800
−HK$1,452/mo
Today · 4.125%
HK$56,252
baseline
▲ 0.50% · 4.625%
HK$59,217
+HK$2,965/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,504/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,297 · Scale 2, in force from 26 Feb 2026)