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$1,589/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$801/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,638/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$767/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$960/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$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$920/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$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$1,121/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,987
+HK$2,294/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$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,074/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,603
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,442/mo
Today · 4.125%
HK$48,463
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,926/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,733
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,381/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,292
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,647 · Scale 2, in force from 26 Feb 2026)