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$26,578
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,405
−HK$840/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,361
−HK$805/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,894
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$1,008/mo
Today · 4.125%
HK$33,894
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$2,063/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,788/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,482
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,434
−HK$965/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,210
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,176/mo
Today · 4.125%
HK$39,543
baseline
▲ 0.50% · 4.625%
HK$41,949
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,086/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,396
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,126/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$45,932
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,841
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,512/mo
Today · 4.125%
HK$50,841
baseline
▲ 0.50% · 4.625%
HK$53,935
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,682/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,223
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,650
−HK$1,448/mo
Today · 4.125%
HK$56,098
baseline
▲ 0.50% · 4.625%
HK$59,055
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,196/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,098 · Scale 2, in force from 26 Feb 2026)