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$26,588
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$840/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,579
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$805/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$1,009/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,970
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,495
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$966/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,385
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,223
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,177/mo
Today · 4.125%
HK$39,558
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,116/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,411
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,127/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,859
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,347
−HK$1,513/mo
Today · 4.125%
HK$50,860
baseline
▲ 0.50% · 4.625%
HK$53,955
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,720/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,242
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,449/mo
Today · 4.125%
HK$56,119
baseline
▲ 0.50% · 4.625%
HK$59,077
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,238/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,256 · Scale 2, in force from 26 Feb 2026)