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$26,619
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,447
−HK$841/mo
Today · 4.125%
HK$28,288
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,576/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$805/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$1,010/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$967/mo
Today · 4.125%
HK$37,456
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,912/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,267
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,177/mo
Today · 4.125%
HK$39,603
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,206/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,127/mo
Today · 4.125%
HK$43,698
baseline
▲ 0.50% · 4.625%
HK$46,002
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,396/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,914
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,404
−HK$1,515/mo
Today · 4.125%
HK$50,919
baseline
▲ 0.50% · 4.625%
HK$54,017
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,838/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,304
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,734
−HK$1,450/mo
Today · 4.125%
HK$56,184
baseline
▲ 0.50% · 4.625%
HK$59,145
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,368/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,763 · Scale 2, in force from 26 Feb 2026)