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$26,632
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$842/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$806/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,952
−HK$1,010/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,553
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$967/mo
Today · 4.125%
HK$37,474
baseline
▲ 0.50% · 4.625%
HK$39,449
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,948/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,178/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,479
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,591
−HK$1,128/mo
Today · 4.125%
HK$43,719
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,438/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,937
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,428
−HK$1,515/mo
Today · 4.125%
HK$50,943
baseline
▲ 0.50% · 4.625%
HK$54,043
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,886/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,330
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,760
−HK$1,451/mo
Today · 4.125%
HK$56,211
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,422/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,973 · Scale 2, in force from 26 Feb 2026)