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$26,599
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$841/mo
Today · 4.125%
HK$28,267
baseline
▲ 0.50% · 4.625%
HK$29,987
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,534/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$806/mo
Today · 4.125%
HK$31,190
baseline
▲ 0.50% · 4.625%
HK$32,834
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,380/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$1,009/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$966/mo
Today · 4.125%
HK$37,427
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$1,973/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,854/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,176/mo
Today · 4.125%
HK$39,573
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,408/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,146/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,127/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,302/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,878
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,513/mo
Today · 4.125%
HK$50,880
baseline
▲ 0.50% · 4.625%
HK$53,976
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,760/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,264
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,692
−HK$1,449/mo
Today · 4.125%
HK$56,141
baseline
▲ 0.50% · 4.625%
HK$59,101
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,282/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,431 · Scale 2, in force from 26 Feb 2026)