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$26,583
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$840/mo
Today · 4.125%
HK$28,250
baseline
▲ 0.50% · 4.625%
HK$29,969
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,500/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$804/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,900
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$1,008/mo
Today · 4.125%
HK$33,900
baseline
▲ 0.50% · 4.625%
HK$35,963
+HK$2,063/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,800/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,488
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$965/mo
Today · 4.125%
HK$37,405
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$1,972/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,810/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,216
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,176/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,127/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,850
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,338
−HK$1,512/mo
Today · 4.125%
HK$50,850
baseline
▲ 0.50% · 4.625%
HK$53,944
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,700/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,232
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,660
−HK$1,448/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,066
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,173 · Scale 2, in force from 26 Feb 2026)