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$26,648
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$842/mo
Today · 4.125%
HK$28,319
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,724/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,638/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$807/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$1,010/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$36,051
+HK$2,068/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,966/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,575
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$968/mo
Today · 4.125%
HK$37,497
baseline
▲ 0.50% · 4.625%
HK$39,474
+HK$1,977/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,994/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,179/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,130/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,967
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,459
−HK$1,516/mo
Today · 4.125%
HK$50,975
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,950/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,363
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,794
−HK$1,452/mo
Today · 4.125%
HK$56,246
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,492/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,245 · Scale 2, in force from 26 Feb 2026)