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$26,646
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$842/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,438
−HK$806/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,975
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$1,011/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$36,047
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,525
−HK$968/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$1,977/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,179/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,129/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,048
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,962
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,454
−HK$1,516/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$54,071
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,357
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,788
−HK$1,452/mo
Today · 4.125%
HK$56,240
baseline
▲ 0.50% · 4.625%
HK$59,204
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,480/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,200 · Scale 2, in force from 26 Feb 2026)