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$26,565
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$839/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$804/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$32,792
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$1,008/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$964/mo
Today · 4.125%
HK$37,380
baseline
▲ 0.50% · 4.625%
HK$39,351
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,760/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,348
−HK$1,176/mo
Today · 4.125%
HK$39,524
baseline
▲ 0.50% · 4.625%
HK$41,929
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,048/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,126/mo
Today · 4.125%
HK$43,611
baseline
▲ 0.50% · 4.625%
HK$45,909
+HK$2,298/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,222/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,818
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,305
−HK$1,511/mo
Today · 4.125%
HK$50,816
baseline
▲ 0.50% · 4.625%
HK$53,908
+HK$3,092/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,632/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,197
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,623
−HK$1,448/mo
Today · 4.125%
HK$56,071
baseline
▲ 0.50% · 4.625%
HK$59,026
+HK$2,955/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,142/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,882 · Scale 2, in force from 26 Feb 2026)