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$26,611
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$841/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$805/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$1,009/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$966/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,256
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,177/mo
Today · 4.125%
HK$39,592
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,184/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,447
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,127/mo
Today · 4.125%
HK$43,686
baseline
▲ 0.50% · 4.625%
HK$45,989
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,372/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,901
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,391
−HK$1,513/mo
Today · 4.125%
HK$50,904
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,808/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,289
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,718
−HK$1,450/mo
Today · 4.125%
HK$56,168
baseline
▲ 0.50% · 4.625%
HK$59,129
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,336/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,640 · Scale 2, in force from 26 Feb 2026)