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$26,622
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$841/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$805/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$1,009/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$967/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,434
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,270
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,430
−HK$1,177/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$42,017
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,463
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,575
−HK$1,128/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,006
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,919
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,409
−HK$1,515/mo
Today · 4.125%
HK$50,924
baseline
▲ 0.50% · 4.625%
HK$54,022
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,848/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,309
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,739
−HK$1,450/mo
Today · 4.125%
HK$56,189
baseline
▲ 0.50% · 4.625%
HK$59,151
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,378/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,806 · Scale 2, in force from 26 Feb 2026)