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$25,339
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$801/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$767/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$961/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$921/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$1,121/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,073/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$43,790
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,441/mo
Today · 4.125%
HK$48,470
baseline
▲ 0.50% · 4.625%
HK$51,420
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,940/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,741
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,102
−HK$1,380/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,713 · Scale 2, in force from 26 Feb 2026)