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$26,644
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$842/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,641
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$807/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$32,889
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$1,011/mo
Today · 4.125%
HK$33,978
baseline
▲ 0.50% · 4.625%
HK$36,045
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,956/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,523
−HK$968/mo
Today · 4.125%
HK$37,491
baseline
▲ 0.50% · 4.625%
HK$39,467
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,982/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,302
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,462
−HK$1,179/mo
Today · 4.125%
HK$39,641
baseline
▲ 0.50% · 4.625%
HK$42,053
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,282/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,498
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,611
−HK$1,129/mo
Today · 4.125%
HK$43,740
baseline
▲ 0.50% · 4.625%
HK$46,045
+HK$2,305/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,480/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,959
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,516/mo
Today · 4.125%
HK$50,967
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,934/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,354
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,452/mo
Today · 4.125%
HK$56,237
baseline
▲ 0.50% · 4.625%
HK$59,201
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,474/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,175 · Scale 2, in force from 26 Feb 2026)