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$26,615
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,443
−HK$841/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$805/mo
Today · 4.125%
HK$31,208
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,416/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,938
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$1,010/mo
Today · 4.125%
HK$33,941
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,882/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,530
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$967/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,424
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,261
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,177/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$42,007
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,128/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,907
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,397
−HK$1,514/mo
Today · 4.125%
HK$50,911
baseline
▲ 0.50% · 4.625%
HK$54,009
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,822/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,296
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,450/mo
Today · 4.125%
HK$56,175
baseline
▲ 0.50% · 4.625%
HK$59,136
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,350/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,694 · Scale 2, in force from 26 Feb 2026)