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$26,569
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$839/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,953
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,558
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$804/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$1,007/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,944
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$965/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,197
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,354
−HK$1,175/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,381
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,491
−HK$1,126/mo
Today · 4.125%
HK$43,617
baseline
▲ 0.50% · 4.625%
HK$45,916
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,234/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,312
−HK$1,512/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,916
+HK$3,092/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,204
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,631
−HK$1,448/mo
Today · 4.125%
HK$56,079
baseline
▲ 0.50% · 4.625%
HK$59,035
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,158/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,945 · Scale 2, in force from 26 Feb 2026)