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$26,647
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$842/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,645
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$806/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$1,011/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$2,067/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,573
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,528
−HK$967/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$1,977/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,179/mo
Today · 4.125%
HK$39,645
baseline
▲ 0.50% · 4.625%
HK$42,058
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,290/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,502
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,615
−HK$1,130/mo
Today · 4.125%
HK$43,745
baseline
▲ 0.50% · 4.625%
HK$46,050
+HK$2,305/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,490/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,515/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$54,074
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,360
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,791
−HK$1,452/mo
Today · 4.125%
HK$56,243
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$2,965/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,486/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,225 · Scale 2, in force from 26 Feb 2026)