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$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$841/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$805/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,914
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,907
−HK$1,009/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$2,063/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$965/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,395
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,177/mo
Today · 4.125%
HK$39,568
baseline
▲ 0.50% · 4.625%
HK$41,976
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,136/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,422
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,533
−HK$1,127/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$45,961
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,320/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,513/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,969
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,449/mo
Today · 4.125%
HK$56,134
baseline
▲ 0.50% · 4.625%
HK$59,093
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,268/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,373 · Scale 2, in force from 26 Feb 2026)