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$26,631
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$842/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,421
−HK$806/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$1,010/mo
Today · 4.125%
HK$33,961
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,922/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,505
−HK$968/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,283
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,443
−HK$1,178/mo
Today · 4.125%
HK$39,621
baseline
▲ 0.50% · 4.625%
HK$42,032
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,242/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,477
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,590
−HK$1,128/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,023
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,515/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$54,041
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,328
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,451/mo
Today · 4.125%
HK$56,209
baseline
▲ 0.50% · 4.625%
HK$59,172
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,418/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,959 · Scale 2, in force from 26 Feb 2026)