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$26,607
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$841/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$805/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,645/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$1,009/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$966/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,413
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,177/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,127/mo
Today · 4.125%
HK$43,679
baseline
▲ 0.50% · 4.625%
HK$45,981
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,358/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,514/mo
Today · 4.125%
HK$50,896
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,792/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,709
−HK$1,450/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,568 · Scale 2, in force from 26 Feb 2026)