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$26,655
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$843/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$807/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$1,011/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$968/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,179/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,515
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,130/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,979
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,472
−HK$1,516/mo
Today · 4.125%
HK$50,988
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,976/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,808
−HK$1,452/mo
Today · 4.125%
HK$56,260
baseline
▲ 0.50% · 4.625%
HK$59,226
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,520/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,357 · Scale 2, in force from 26 Feb 2026)