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$25,329
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$800/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$767/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$961/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$920/mo
Today · 4.125%
HK$35,641
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,282/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$1,120/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,507
−HK$1,074/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,592
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,441/mo
Today · 4.125%
HK$48,451
baseline
▲ 0.50% · 4.625%
HK$51,399
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,902/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,721
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,081
−HK$1,380/mo
Today · 4.125%
HK$53,461
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,922/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,548 · Scale 2, in force from 26 Feb 2026)