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$25,340
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$801/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,567
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,858/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,946
−HK$767/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$961/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,828
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$921/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$1,879/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$1,121/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,994
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,525
−HK$1,073/mo
Today · 4.125%
HK$41,598
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,196/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,611
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,030
−HK$1,442/mo
Today · 4.125%
HK$48,472
baseline
▲ 0.50% · 4.625%
HK$51,421
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,944/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,742
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,103
−HK$1,381/mo
Today · 4.125%
HK$53,484
baseline
▲ 0.50% · 4.625%
HK$56,303
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,968/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,725 · Scale 2, in force from 26 Feb 2026)