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$26,650
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$842/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,647
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,443
−HK$806/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$32,896
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$1,011/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$2,068/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,577
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$968/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,476
+HK$1,977/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,179/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,620
−HK$1,129/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,055
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,969
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,461
−HK$1,516/mo
Today · 4.125%
HK$50,977
baseline
▲ 0.50% · 4.625%
HK$54,079
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,954/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,365
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,797
−HK$1,451/mo
Today · 4.125%
HK$56,248
baseline
▲ 0.50% · 4.625%
HK$59,213
+HK$2,965/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,496/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,267 · Scale 2, in force from 26 Feb 2026)