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$26,636
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,465
−HK$841/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$30,029
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,632
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,427
−HK$806/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,963
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,958
−HK$1,010/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$967/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,179/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,129/mo
Today · 4.125%
HK$43,727
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,454/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,945
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,436
−HK$1,516/mo
Today · 4.125%
HK$50,952
baseline
▲ 0.50% · 4.625%
HK$54,052
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,904/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,769
−HK$1,451/mo
Today · 4.125%
HK$56,220
baseline
▲ 0.50% · 4.625%
HK$59,183
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,440/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,045 · Scale 2, in force from 26 Feb 2026)