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$26,629
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$842/mo
Today · 4.125%
HK$28,299
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,598/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$806/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,010/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$36,025
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$968/mo
Today · 4.125%
HK$37,470
baseline
▲ 0.50% · 4.625%
HK$39,445
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,940/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,280
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,178/mo
Today · 4.125%
HK$39,618
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,411/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,236/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,128/mo
Today · 4.125%
HK$43,714
baseline
▲ 0.50% · 4.625%
HK$46,019
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,428/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,514/mo
Today · 4.125%
HK$50,937
baseline
▲ 0.50% · 4.625%
HK$54,037
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,874/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,323
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,450/mo
Today · 4.125%
HK$56,204
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$2,963/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,408/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,923 · Scale 2, in force from 26 Feb 2026)