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$26,601
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,428
−HK$841/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,989
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$805/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$32,836
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,914
−HK$1,009/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,987
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,512
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$966/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,403
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,241
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,176/mo
Today · 4.125%
HK$39,576
baseline
▲ 0.50% · 4.625%
HK$41,985
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,152/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,430
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,542
−HK$1,127/mo
Today · 4.125%
HK$43,669
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,338/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,881
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,513/mo
Today · 4.125%
HK$50,884
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,768/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,268
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,450/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,105
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,465 · Scale 2, in force from 26 Feb 2026)