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$26,633
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$841/mo
Today · 4.125%
HK$28,303
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,606/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$806/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,954
−HK$1,010/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$967/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,451
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,446
−HK$1,179/mo
Today · 4.125%
HK$39,625
baseline
▲ 0.50% · 4.625%
HK$42,036
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,250/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,593
−HK$1,129/mo
Today · 4.125%
HK$43,722
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,444/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,431
−HK$1,515/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$54,046
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,333
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,451/mo
Today · 4.125%
HK$56,214
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,428/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,998 · Scale 2, in force from 26 Feb 2026)