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$27,461
−HK$841/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,723/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$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,423
−HK$806/mo
Today · 4.125%
HK$31,229
baseline
▲ 0.50% · 4.625%
HK$32,875
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,458/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$1,010/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$36,030
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,554
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$968/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,285
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,445
−HK$1,178/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,480
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,592
−HK$1,129/mo
Today · 4.125%
HK$43,721
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,442/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,938
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,429
−HK$1,515/mo
Today · 4.125%
HK$50,944
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,888/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,331
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,761
−HK$1,451/mo
Today · 4.125%
HK$56,212
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,424/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,984 · Scale 2, in force from 26 Feb 2026)