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$26,640
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,468
−HK$842/mo
Today · 4.125%
HK$28,310
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,620/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,431
−HK$807/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,968
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$1,010/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$2,068/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,518
−HK$967/mo
Today · 4.125%
HK$37,485
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,970/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,456
−HK$1,179/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$42,046
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,491
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,604
−HK$1,129/mo
Today · 4.125%
HK$43,733
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,466/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,952
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,443
−HK$1,516/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$54,059
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,346
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,776
−HK$1,452/mo
Today · 4.125%
HK$56,228
baseline
▲ 0.50% · 4.625%
HK$59,192
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,456/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,106 · Scale 2, in force from 26 Feb 2026)