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$26,585
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$841/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$805/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$1,008/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$966/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,177/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,126/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$45,944
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,513/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,949
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,237
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,448/mo
Today · 4.125%
HK$56,113
baseline
▲ 0.50% · 4.625%
HK$59,071
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,226/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,212 · Scale 2, in force from 26 Feb 2026)