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$1,588/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$800/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,523/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$416,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$960/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$920/mo
Today · 4.125%
HK$35,643
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,286/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$1,121/mo
Today · 4.125%
HK$37,687
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,374/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,580 · 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$416,580 · 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$51,403
+HK$2,948/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$416,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,725
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,085
−HK$1,380/mo
Today · 4.125%
HK$53,465
baseline
▲ 0.50% · 4.625%
HK$56,283
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,930/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,580 · Scale 2, in force from 26 Feb 2026)