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$26,593
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$840/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,980
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$805/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$1,009/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,501
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$966/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$1,973/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,177/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,127/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,356
−HK$1,513/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,964
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,252
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,680
−HK$1,449/mo
Today · 4.125%
HK$56,129
baseline
▲ 0.50% · 4.625%
HK$59,087
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,258/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,334 · Scale 2, in force from 26 Feb 2026)