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$26,581
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$840/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,364
−HK$805/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,890
−HK$1,008/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,960
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,485
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,437
−HK$966/mo
Today · 4.125%
HK$37,403
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,806/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,176/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,126/mo
Today · 4.125%
HK$43,636
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,272/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,846
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,334
−HK$1,512/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,940
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,656
−HK$1,448/mo
Today · 4.125%
HK$56,104
baseline
▲ 0.50% · 4.625%
HK$59,061
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,208/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,140 · Scale 2, in force from 26 Feb 2026)