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$26,634
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$842/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$806/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$1,010/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$967/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,452
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,179/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,482
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,594
−HK$1,129/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,028
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,432
−HK$1,515/mo
Today · 4.125%
HK$50,947
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,894/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,334
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,764
−HK$1,451/mo
Today · 4.125%
HK$56,215
baseline
▲ 0.50% · 4.625%
HK$59,179
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,430/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,009 · Scale 2, in force from 26 Feb 2026)