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$25,343
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,131
−HK$801/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,571
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,194
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,950
−HK$767/mo
Today · 4.125%
HK$29,717
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,434/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$961/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,966/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$920/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,540
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,480
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$1,121/mo
Today · 4.125%
HK$37,705
baseline
▲ 0.50% · 4.625%
HK$39,999
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,410/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,471
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,530
−HK$1,074/mo
Today · 4.125%
HK$41,604
baseline
▲ 0.50% · 4.625%
HK$43,797
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,208/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,442/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,428
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,749
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,110
−HK$1,381/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,310
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,778 · Scale 2, in force from 26 Feb 2026)