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$26,628
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$842/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$806/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,953
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,947
−HK$1,010/mo
Today · 4.125%
HK$33,957
baseline
▲ 0.50% · 4.625%
HK$36,023
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,914/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$967/mo
Today · 4.125%
HK$37,468
baseline
▲ 0.50% · 4.625%
HK$39,443
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,936/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,279
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,179/mo
Today · 4.125%
HK$39,617
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,234/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,472
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,128/mo
Today · 4.125%
HK$43,713
baseline
▲ 0.50% · 4.625%
HK$46,017
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,426/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,930
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,421
−HK$1,515/mo
Today · 4.125%
HK$50,936
baseline
▲ 0.50% · 4.625%
HK$54,035
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,872/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,450/mo
Today · 4.125%
HK$56,202
baseline
▲ 0.50% · 4.625%
HK$59,165
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,404/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,907 · Scale 2, in force from 26 Feb 2026)