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$26,572
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$839/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$804/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,887
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$1,008/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,425
−HK$965/mo
Today · 4.125%
HK$37,390
baseline
▲ 0.50% · 4.625%
HK$39,361
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,780/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,176/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,939
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,386
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,496
−HK$1,126/mo
Today · 4.125%
HK$43,622
baseline
▲ 0.50% · 4.625%
HK$45,921
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,244/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,830
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,511/mo
Today · 4.125%
HK$50,829
baseline
▲ 0.50% · 4.625%
HK$53,922
+HK$3,093/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,658/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,210
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,637
−HK$1,448/mo
Today · 4.125%
HK$56,085
baseline
▲ 0.50% · 4.625%
HK$59,041
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,170/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,993 · Scale 2, in force from 26 Feb 2026)