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$25,349
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$767/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$961/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,840
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$921/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,549
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,488
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$1,122/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,480
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,539
−HK$1,074/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$43,807
+HK$2,194/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,760
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,873 · Scale 2, in force from 26 Feb 2026)