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$25,333
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$801/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$767/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,400
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$960/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,612/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,820
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,727
−HK$920/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,526
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,570
−HK$1,121/mo
Today · 4.125%
HK$37,691
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,382/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,456
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,074/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,176/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,600
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,441/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,729
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,090
−HK$1,380/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,940/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,619 · Scale 2, in force from 26 Feb 2026)