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$26,620
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$841/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$30,010
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,614
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$806/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,937
−HK$1,010/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$36,012
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,490
−HK$967/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,431
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,267
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,427
−HK$1,177/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$42,014
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,572
−HK$1,128/mo
Today · 4.125%
HK$43,700
baseline
▲ 0.50% · 4.625%
HK$46,003
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,400/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,915
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,406
−HK$1,514/mo
Today · 4.125%
HK$50,920
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,840/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,450/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,147
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,773 · Scale 2, in force from 26 Feb 2026)