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$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$841/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,586
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$805/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,914
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$1,009/mo
Today · 4.125%
HK$33,915
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$2,064/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,830/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$966/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$1,972/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,177/mo
Today · 4.125%
HK$39,568
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,136/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,421
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,127/mo
Today · 4.125%
HK$43,659
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,301/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,318/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$49,360
−HK$1,513/mo
Today · 4.125%
HK$50,873
baseline
▲ 0.50% · 4.625%
HK$53,968
+HK$3,095/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,746/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$54,684
−HK$1,449/mo
Today · 4.125%
HK$56,133
baseline
▲ 0.50% · 4.625%
HK$59,092
+HK$2,959/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,266/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,366 · Scale 2, in force from 26 Feb 2026)