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$25,334
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$800/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$416,625 · 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$31,272
+HK$1,566/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$416,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,400
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$961/mo
Today · 4.125%
HK$32,307
baseline
▲ 0.50% · 4.625%
HK$34,273
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,614/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,625 · 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$416,625 · 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$39,985
+HK$2,294/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$416,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,073/mo
Today · 4.125%
HK$41,588
baseline
▲ 0.50% · 4.625%
HK$43,781
+HK$2,193/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$416,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,601
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,019
−HK$1,441/mo
Today · 4.125%
HK$48,460
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,920/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,730
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,380/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,625 · Scale 2, in force from 26 Feb 2026)