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$1,668/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$841/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$805/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$1,009/mo
Today · 4.125%
HK$33,924
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,848/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,513
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$967/mo
Today · 4.125%
HK$37,432
baseline
▲ 0.50% · 4.625%
HK$39,405
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,864/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,177/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,127/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$45,972
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,883
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,373
−HK$1,513/mo
Today · 4.125%
HK$50,886
baseline
▲ 0.50% · 4.625%
HK$53,982
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,772/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,270
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,698
−HK$1,450/mo
Today · 4.125%
HK$56,148
baseline
▲ 0.50% · 4.625%
HK$59,107
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,296/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,481 · Scale 2, in force from 26 Feb 2026)