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$25,336
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$801/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$767/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,349
−HK$961/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$921/mo
Today · 4.125%
HK$35,651
baseline
▲ 0.50% · 4.625%
HK$37,530
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,302/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$1,121/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,460
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,073/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,605
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,442/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,413
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,735
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,095
−HK$1,381/mo
Today · 4.125%
HK$53,476
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,952/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,663 · Scale 2, in force from 26 Feb 2026)