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$1,668/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$840/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$805/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$32,827
+HK$1,644/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$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$1,008/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$2,064/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$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,502
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$966/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,231
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,389
−HK$1,176/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,408/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$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,419
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,127/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,868
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,357
−HK$1,513/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,965
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,253
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,681
−HK$1,449/mo
Today · 4.125%
HK$56,130
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,260/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,342 · Scale 2, in force from 26 Feb 2026)