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$26,616
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$841/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,610
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$805/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$1,010/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$966/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,422
−HK$1,178/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,128/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,909
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,400
−HK$1,514/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$54,012
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,299
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,728
−HK$1,450/mo
Today · 4.125%
HK$56,178
baseline
▲ 0.50% · 4.625%
HK$59,140
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,356/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,721 · Scale 2, in force from 26 Feb 2026)