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$26,618
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,446
−HK$841/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$805/mo
Today · 4.125%
HK$31,212
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,424/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$1,010/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$36,010
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,488
−HK$967/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,429
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,266
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,177/mo
Today · 4.125%
HK$39,602
baseline
▲ 0.50% · 4.625%
HK$42,012
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,204/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,458
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,569
−HK$1,128/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,001
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,514/mo
Today · 4.125%
HK$50,917
baseline
▲ 0.50% · 4.625%
HK$54,016
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,834/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,303
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,732
−HK$1,450/mo
Today · 4.125%
HK$56,182
baseline
▲ 0.50% · 4.625%
HK$59,144
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,364/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,751 · Scale 2, in force from 26 Feb 2026)