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$25,347
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$801/mo
Today · 4.125%
HK$26,936
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,872/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$768/mo
Today · 4.125%
HK$29,722
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,444/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,416
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$962/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,966/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$921/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,486
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$1,122/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,477
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,074/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$43,804
+HK$2,194/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,624
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,044
−HK$1,441/mo
Today · 4.125%
HK$48,485
baseline
▲ 0.50% · 4.625%
HK$51,436
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,970/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,757
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,381/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,843 · Scale 2, in force from 26 Feb 2026)