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$26,608
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$841/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,721/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$805/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,645/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$1,009/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$967/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,413
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,251
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,178/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,174/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,128/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,894
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,514/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,281
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,710
−HK$1,450/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,120
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,577 · Scale 2, in force from 26 Feb 2026)