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$26,578
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$840/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,567
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$805/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,642/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$1,008/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$2,062/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$966/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,209
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,176/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,406/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,394
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,504
−HK$1,127/mo
Today · 4.125%
HK$43,631
baseline
▲ 0.50% · 4.625%
HK$45,930
+HK$2,299/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,262/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,840
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,328
−HK$1,512/mo
Today · 4.125%
HK$50,840
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$3,093/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,680/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,221
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,649
−HK$1,448/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,053
+HK$2,956/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,194/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,083 · Scale 2, in force from 26 Feb 2026)