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$1,669/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$841/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,720/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,582 · 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$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,923
−HK$1,009/mo
Today · 4.125%
HK$33,932
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,864/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$966/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$1,974/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$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,251
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,177/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,996
+HK$2,409/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$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,127/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,303/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$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,894
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,384
−HK$1,514/mo
Today · 4.125%
HK$50,898
baseline
▲ 0.50% · 4.625%
HK$53,995
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,796/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,711
−HK$1,450/mo
Today · 4.125%
HK$56,161
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$2,960/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,322/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,582 · Scale 2, in force from 26 Feb 2026)