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$26,592
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$840/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,583
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$805/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$1,009/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$965/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$1,973/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,228
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,177/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,970
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,127/mo
Today · 4.125%
HK$43,654
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,308/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,865
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,512/mo
Today · 4.125%
HK$50,866
baseline
▲ 0.50% · 4.625%
HK$53,962
+HK$3,096/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,732/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,249
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,677
−HK$1,449/mo
Today · 4.125%
HK$56,126
baseline
▲ 0.50% · 4.625%
HK$59,085
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,252/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,313 · Scale 2, in force from 26 Feb 2026)