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$26,610
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$841/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,721/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$805/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,645/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$1,009/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$967/mo
Today · 4.125%
HK$37,444
baseline
▲ 0.50% · 4.625%
HK$39,417
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,888/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,254
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,413
−HK$1,177/mo
Today · 4.125%
HK$39,590
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,180/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,445
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,127/mo
Today · 4.125%
HK$43,684
baseline
▲ 0.50% · 4.625%
HK$45,987
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,368/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,898
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,388
−HK$1,514/mo
Today · 4.125%
HK$50,902
baseline
▲ 0.50% · 4.625%
HK$53,999
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,804/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,286
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,449/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,126
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,619 · Scale 2, in force from 26 Feb 2026)