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$26,611
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$841/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$806/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,644/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$1,009/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,525
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$966/mo
Today · 4.125%
HK$37,444
baseline
▲ 0.50% · 4.625%
HK$39,418
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,888/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,255
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,177/mo
Today · 4.125%
HK$39,591
baseline
▲ 0.50% · 4.625%
HK$42,000
+HK$2,409/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,182/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,446
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,128/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,514/mo
Today · 4.125%
HK$50,903
baseline
▲ 0.50% · 4.625%
HK$54,000
+HK$3,097/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,806/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,287
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,717
−HK$1,449/mo
Today · 4.125%
HK$56,166
baseline
▲ 0.50% · 4.625%
HK$59,127
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,332/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,627 · Scale 2, in force from 26 Feb 2026)