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$26,605
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$840/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,721/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$805/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,926
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,919
−HK$1,009/mo
Today · 4.125%
HK$33,928
baseline
▲ 0.50% · 4.625%
HK$35,992
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,856/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,517
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$966/mo
Today · 4.125%
HK$37,436
baseline
▲ 0.50% · 4.625%
HK$39,410
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,872/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,177/mo
Today · 4.125%
HK$39,583
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,166/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,437
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,128/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$45,978
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,889
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,379
−HK$1,513/mo
Today · 4.125%
HK$50,892
baseline
▲ 0.50% · 4.625%
HK$53,989
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,784/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,276
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,705
−HK$1,449/mo
Today · 4.125%
HK$56,154
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,308/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,533 · Scale 2, in force from 26 Feb 2026)