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$26,624
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,452
−HK$841/mo
Today · 4.125%
HK$28,293
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,586/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,619
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$806/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,948
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$1,010/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,178/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,466
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,128/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,923
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,413
−HK$1,515/mo
Today · 4.125%
HK$50,928
baseline
▲ 0.50% · 4.625%
HK$54,027
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,856/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,451/mo
Today · 4.125%
HK$56,194
baseline
▲ 0.50% · 4.625%
HK$59,156
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,388/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,841 · Scale 2, in force from 26 Feb 2026)