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$26,580
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$840/mo
Today · 4.125%
HK$28,247
baseline
▲ 0.50% · 4.625%
HK$29,966
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,494/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,570
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$805/mo
Today · 4.125%
HK$31,168
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,336/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,896
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$1,008/mo
Today · 4.125%
HK$33,896
baseline
▲ 0.50% · 4.625%
HK$35,959
+HK$2,063/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,792/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$965/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,373
+HK$1,972/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,212
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,176/mo
Today · 4.125%
HK$39,546
baseline
▲ 0.50% · 4.625%
HK$41,952
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,092/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,127/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,512/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,226
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,654
−HK$1,448/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,059
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,123 · Scale 2, in force from 26 Feb 2026)