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$25,335
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$800/mo
Today · 4.125%
HK$26,923
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,846/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$767/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,401
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$961/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,728
−HK$921/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,468
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$1,121/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,516
−HK$1,074/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$43,782
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,602
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,441/mo
Today · 4.125%
HK$48,462
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,924/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,732
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,380/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,291
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,640 · Scale 2, in force from 26 Feb 2026)