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$26,597
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$840/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$805/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$32,832
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,917
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$1,009/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,459
−HK$966/mo
Today · 4.125%
HK$37,425
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,850/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,394
−HK$1,177/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,127/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,875
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,364
−HK$1,513/mo
Today · 4.125%
HK$50,877
baseline
▲ 0.50% · 4.625%
HK$53,973
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,754/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,260
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,689
−HK$1,449/mo
Today · 4.125%
HK$56,138
baseline
▲ 0.50% · 4.625%
HK$59,097
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,276/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,406 · Scale 2, in force from 26 Feb 2026)