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$1,670/mo
▼ 0.25% · 3.875%
HK$27,452
−HK$842/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,619
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$805/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,646/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$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,943
−HK$1,010/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$1,975/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$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,178/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$42,022
+HK$2,411/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$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,467
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,579
−HK$1,128/mo
Today · 4.125%
HK$43,707
baseline
▲ 0.50% · 4.625%
HK$46,011
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,414/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,924
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,414
−HK$1,515/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,744
−HK$1,451/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,850 · Scale 2, in force from 26 Feb 2026)