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$25,332
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$801/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$767/mo
Today · 4.125%
HK$29,704
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,408/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,398
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$961/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$920/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,465
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$1,121/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,074/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,016
−HK$1,441/mo
Today · 4.125%
HK$48,457
baseline
▲ 0.50% · 4.625%
HK$51,405
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,914/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,727
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,381/mo
Today · 4.125%
HK$53,468
baseline
▲ 0.50% · 4.625%
HK$56,286
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,936/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,599 · Scale 2, in force from 26 Feb 2026)