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$26,575
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$840/mo
Today · 4.125%
HK$28,242
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,484/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,565
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$804/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,890
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$1,008/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,478
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$966/mo
Today · 4.125%
HK$37,395
baseline
▲ 0.50% · 4.625%
HK$39,366
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,790/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,176/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,126/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$45,927
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,836
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,511/mo
Today · 4.125%
HK$50,835
baseline
▲ 0.50% · 4.625%
HK$53,929
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,670/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,217
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,644
−HK$1,448/mo
Today · 4.125%
HK$56,092
baseline
▲ 0.50% · 4.625%
HK$59,049
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,184/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,047 · Scale 2, in force from 26 Feb 2026)