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$26,592
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$841/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$805/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$1,009/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$966/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,391
+HK$1,973/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,229
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,177/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,127/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,866
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,355
−HK$1,513/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,963
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,250
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,448/mo
Today · 4.125%
HK$56,127
baseline
▲ 0.50% · 4.625%
HK$59,086
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,254/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,324 · Scale 2, in force from 26 Feb 2026)