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$26,591
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$840/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,582
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$805/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,909
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$1,009/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$966/mo
Today · 4.125%
HK$37,416
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,832/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,176/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,414
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,525
−HK$1,127/mo
Today · 4.125%
HK$43,652
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,304/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,863
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,352
−HK$1,513/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,960
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,730/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,247
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,675
−HK$1,449/mo
Today · 4.125%
HK$56,124
baseline
▲ 0.50% · 4.625%
HK$59,082
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,248/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,297 · Scale 2, in force from 26 Feb 2026)