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$25,341
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$801/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$767/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,281
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,409
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$961/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$921/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$1,879/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$1,121/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,468
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,527
−HK$1,074/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$43,793
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,614
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,033
−HK$1,441/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,424
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,745
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,106
−HK$1,381/mo
Today · 4.125%
HK$53,487
baseline
▲ 0.50% · 4.625%
HK$56,306
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,974/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,747 · Scale 2, in force from 26 Feb 2026)