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$26,586
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$840/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,370
−HK$804/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$1,008/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,492
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,444
−HK$965/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,176/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,961
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,127/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,343
−HK$1,512/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,950
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,237
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,449/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,072
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,217 · Scale 2, in force from 26 Feb 2026)