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$26,568
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$839/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$805/mo
Today · 4.125%
HK$31,154
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,308/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$1,008/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,468
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$965/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,195
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,176/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,126/mo
Today · 4.125%
HK$43,615
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,230/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,823
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,310
−HK$1,511/mo
Today · 4.125%
HK$50,821
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$3,093/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,642/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,202
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,629
−HK$1,447/mo
Today · 4.125%
HK$56,076
baseline
▲ 0.50% · 4.625%
HK$59,032
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,152/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,927 · Scale 2, in force from 26 Feb 2026)