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$26,573
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$840/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,718/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$804/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,888
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,880
−HK$1,008/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$965/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,203
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,176/mo
Today · 4.125%
HK$39,536
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,405/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,072/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,388
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,126/mo
Today · 4.125%
HK$43,624
baseline
▲ 0.50% · 4.625%
HK$45,923
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,248/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,832
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,320
−HK$1,512/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$3,093/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,213
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,640
−HK$1,448/mo
Today · 4.125%
HK$56,088
baseline
▲ 0.50% · 4.625%
HK$59,044
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,176/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,015 · Scale 2, in force from 26 Feb 2026)