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$26,602
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$841/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$805/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$32,838
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,923
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$1,009/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,466
−HK$967/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,243
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,177/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,433
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,127/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$45,973
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,884
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,374
−HK$1,513/mo
Today · 4.125%
HK$50,887
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,774/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,271
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,700
−HK$1,449/mo
Today · 4.125%
HK$56,149
baseline
▲ 0.50% · 4.625%
HK$59,109
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,298/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,491 · Scale 2, in force from 26 Feb 2026)