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$25,340
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$800/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,858/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$767/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,280
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$961/mo
Today · 4.125%
HK$32,315
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,630/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$921/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,536
+HK$1,879/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$1,121/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,995
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,467
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,074/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,441/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,744
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,105
−HK$1,380/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,736 · Scale 2, in force from 26 Feb 2026)