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$25,337
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$801/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$767/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,404
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$961/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,731
−HK$921/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,575
−HK$1,121/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,074/mo
Today · 4.125%
HK$41,594
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,188/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,606
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,025
−HK$1,441/mo
Today · 4.125%
HK$48,466
baseline
▲ 0.50% · 4.625%
HK$51,415
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,932/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,736
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,097
−HK$1,380/mo
Today · 4.125%
HK$53,477
baseline
▲ 0.50% · 4.625%
HK$56,296
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,954/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,676 · Scale 2, in force from 26 Feb 2026)