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$26,596
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$840/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$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$805/mo
Today · 4.125%
HK$31,186
baseline
▲ 0.50% · 4.625%
HK$32,830
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,372/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,908
−HK$1,008/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$2,064/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$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$966/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,234
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,177/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,380 · 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$45,962
+HK$2,302/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$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,872
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,513/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,970
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,257
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,686
−HK$1,449/mo
Today · 4.125%
HK$56,135
baseline
▲ 0.50% · 4.625%
HK$59,094
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,270/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,380 · Scale 2, in force from 26 Feb 2026)