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$25,338
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$801/mo
Today · 4.125%
HK$26,927
baseline
▲ 0.50% · 4.625%
HK$28,565
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,854/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$767/mo
Today · 4.125%
HK$29,711
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,422/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,405
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$961/mo
Today · 4.125%
HK$32,312
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,624/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$920/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,532
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,306/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$1,121/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,073/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,608
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,027
−HK$1,441/mo
Today · 4.125%
HK$48,468
baseline
▲ 0.50% · 4.625%
HK$51,417
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,936/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,738
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,381/mo
Today · 4.125%
HK$53,480
baseline
▲ 0.50% · 4.625%
HK$56,299
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,960/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,692 · Scale 2, in force from 26 Feb 2026)