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$26,617
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$841/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$806/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$32,856
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,934
−HK$1,009/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$967/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,427
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,264
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,423
−HK$1,177/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,128/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$45,998
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,401
−HK$1,514/mo
Today · 4.125%
HK$50,915
baseline
▲ 0.50% · 4.625%
HK$54,013
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,830/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,300
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,729
−HK$1,450/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,141
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,729 · Scale 2, in force from 26 Feb 2026)