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$26,604
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$841/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,597
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$805/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$1,009/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,992
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$966/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,409
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,870/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,246
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,405
−HK$1,177/mo
Today · 4.125%
HK$39,582
baseline
▲ 0.50% · 4.625%
HK$41,990
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,164/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,436
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,547
−HK$1,127/mo
Today · 4.125%
HK$43,674
baseline
▲ 0.50% · 4.625%
HK$45,977
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,348/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,888
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,514/mo
Today · 4.125%
HK$50,891
baseline
▲ 0.50% · 4.625%
HK$53,987
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,782/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,703
−HK$1,450/mo
Today · 4.125%
HK$56,153
baseline
▲ 0.50% · 4.625%
HK$59,113
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,306/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,522 · Scale 2, in force from 26 Feb 2026)