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$26,574
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$840/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$804/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$32,804
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,889
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$1,008/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$965/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,364
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,204
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,361
−HK$1,176/mo
Today · 4.125%
HK$39,537
baseline
▲ 0.50% · 4.625%
HK$41,943
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,074/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,389
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,499
−HK$1,126/mo
Today · 4.125%
HK$43,625
baseline
▲ 0.50% · 4.625%
HK$45,925
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,250/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,834
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,322
−HK$1,511/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,215
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,642
−HK$1,448/mo
Today · 4.125%
HK$56,090
baseline
▲ 0.50% · 4.625%
HK$59,046
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,180/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,030 · Scale 2, in force from 26 Feb 2026)