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$26,616
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$841/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$30,006
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,610
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$806/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$1,009/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,532
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$967/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,178/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,127/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,909
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,514/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$54,011
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,450/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,138
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,712 · Scale 2, in force from 26 Feb 2026)