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$25,331
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$801/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$767/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$961/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,817
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$920/mo
Today · 4.125%
HK$35,644
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,288/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,567
−HK$1,121/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,453
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,511
−HK$1,073/mo
Today · 4.125%
HK$41,584
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,168/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,596
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,014
−HK$1,441/mo
Today · 4.125%
HK$48,455
baseline
▲ 0.50% · 4.625%
HK$51,404
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,910/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,725
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,086
−HK$1,380/mo
Today · 4.125%
HK$53,466
baseline
▲ 0.50% · 4.625%
HK$56,284
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,932/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,585 · Scale 2, in force from 26 Feb 2026)