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$26,614
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$841/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,721/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$806/mo
Today · 4.125%
HK$31,207
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,414/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,930
−HK$1,009/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$2,065/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,482
−HK$966/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,422
+HK$1,974/mo
Deposit HK$4.67M · loan HK$7.00M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,177/mo
Today · 4.125%
HK$39,595
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,190/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,128/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,303/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$49,395
−HK$1,513/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$54,006
+HK$3,098/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,293
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,723
−HK$1,449/mo
Today · 4.125%
HK$56,172
baseline
▲ 0.50% · 4.625%
HK$59,133
+HK$2,961/mo
Deposit HK$1.17M · loan HK$10.50M · min. income ≈ HK$112,344/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,675 · Scale 2, in force from 26 Feb 2026)