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$26,613
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$841/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$805/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$1,009/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$967/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,422
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,258
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,178/mo
Today · 4.125%
HK$39,595
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,190/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,561
−HK$1,128/mo
Today · 4.125%
HK$43,689
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,378/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,394
−HK$1,514/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$54,005
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,292
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,450/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,668 · Scale 2, in force from 26 Feb 2026)