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$26,594
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$840/mo
Today · 4.125%
HK$28,262
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,524/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,586
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$805/mo
Today · 4.125%
HK$31,184
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,368/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$1,008/mo
Today · 4.125%
HK$33,914
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,828/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,503
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,455
−HK$966/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,177/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,974
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,127/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,870
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,359
−HK$1,513/mo
Today · 4.125%
HK$50,872
baseline
▲ 0.50% · 4.625%
HK$53,967
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,744/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,255
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,683
−HK$1,449/mo
Today · 4.125%
HK$56,132
baseline
▲ 0.50% · 4.625%
HK$59,091
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,264/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,358 · Scale 2, in force from 26 Feb 2026)