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$25,348
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$767/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$961/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$921/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,487
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,591
−HK$1,122/mo
Today · 4.125%
HK$37,713
baseline
▲ 0.50% · 4.625%
HK$40,007
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,426/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,479
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,538
−HK$1,074/mo
Today · 4.125%
HK$41,612
baseline
▲ 0.50% · 4.625%
HK$43,806
+HK$2,194/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,224/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,442/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,759
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,120
−HK$1,381/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,322
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,863 · Scale 2, in force from 26 Feb 2026)