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$26,567
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$840/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,555
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$804/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$1,008/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$965/mo
Today · 4.125%
HK$37,383
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,766/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,194
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,351
−HK$1,175/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,378
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,126/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,511/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,911
+HK$3,092/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,200
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,627
−HK$1,447/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,908 · Scale 2, in force from 26 Feb 2026)