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$25,338
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$800/mo
Today · 4.125%
HK$26,927
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,854/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$767/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$961/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$920/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,474
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$1,121/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,464
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,523
−HK$1,073/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$43,789
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,609
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,441/mo
Today · 4.125%
HK$48,469
baseline
▲ 0.50% · 4.625%
HK$51,418
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,938/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,740
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,100
−HK$1,381/mo
Today · 4.125%
HK$53,481
baseline
▲ 0.50% · 4.625%
HK$56,300
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,962/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,703 · Scale 2, in force from 26 Feb 2026)