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$26,591
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$841/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,582
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$805/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,909
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$1,008/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$2,064/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$966/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,228
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,176/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,415
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,127/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$45,954
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,864
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,513/mo
Today · 4.125%
HK$50,866
baseline
▲ 0.50% · 4.625%
HK$53,961
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,732/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,676
−HK$1,449/mo
Today · 4.125%
HK$56,125
baseline
▲ 0.50% · 4.625%
HK$59,084
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,250/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,306 · Scale 2, in force from 26 Feb 2026)