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$26,577
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$840/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$804/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,892
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,884
−HK$1,008/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,479
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$965/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,367
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,207
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,364
−HK$1,176/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,946
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,393
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,503
−HK$1,126/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$45,929
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,838
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,326
−HK$1,512/mo
Today · 4.125%
HK$50,838
baseline
▲ 0.50% · 4.625%
HK$53,931
+HK$3,093/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,676/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,219
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,646
−HK$1,448/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,051
+HK$2,957/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,065 · Scale 2, in force from 26 Feb 2026)