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$26,614
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,442
−HK$841/mo
Today · 4.125%
HK$28,283
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,566/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,608
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,402
−HK$805/mo
Today · 4.125%
HK$31,207
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,414/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,937
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,930
−HK$1,009/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,482
−HK$967/mo
Today · 4.125%
HK$37,449
baseline
▲ 0.50% · 4.625%
HK$39,423
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,898/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,178/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,451
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,128/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,905
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,395
−HK$1,514/mo
Today · 4.125%
HK$50,909
baseline
▲ 0.50% · 4.625%
HK$54,007
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,818/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,294
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,723
−HK$1,450/mo
Today · 4.125%
HK$56,173
baseline
▲ 0.50% · 4.625%
HK$59,134
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,346/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,678 · Scale 2, in force from 26 Feb 2026)