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$26,643
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$842/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$806/mo
Today · 4.125%
HK$31,241
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,482/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$1,010/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$2,068/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$968/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,179/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,129/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,043
+HK$2,305/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,449
−HK$1,516/mo
Today · 4.125%
HK$50,965
baseline
▲ 0.50% · 4.625%
HK$54,066
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,930/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,352
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,783
−HK$1,451/mo
Today · 4.125%
HK$56,234
baseline
▲ 0.50% · 4.625%
HK$59,198
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,468/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,156 · Scale 2, in force from 26 Feb 2026)