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$25,345
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$801/mo
Today · 4.125%
HK$26,935
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,870/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,196
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$768/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$961/mo
Today · 4.125%
HK$32,321
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,642/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$921/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$1,879/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,587
−HK$1,121/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,295/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,475
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,533
−HK$1,074/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$43,801
+HK$2,194/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,621
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,040
−HK$1,442/mo
Today · 4.125%
HK$48,482
baseline
▲ 0.50% · 4.625%
HK$51,432
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,964/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,753
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,114
−HK$1,381/mo
Today · 4.125%
HK$53,495
baseline
▲ 0.50% · 4.625%
HK$56,315
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,990/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,816 · Scale 2, in force from 26 Feb 2026)