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$30,037
+HK$1,723/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$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$807/mo
Today · 4.125%
HK$31,242
baseline
▲ 0.50% · 4.625%
HK$32,889
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,484/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$1,011/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,163 · 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$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,301
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,461
−HK$1,179/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$42,052
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,497
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,129/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,044
+HK$2,306/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$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,958
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,450
−HK$1,515/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$438,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,353
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,784
−HK$1,451/mo
Today · 4.125%
HK$56,235
baseline
▲ 0.50% · 4.625%
HK$59,199
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,470/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,163 · Scale 2, in force from 26 Feb 2026)