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$25,330
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$801/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$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$766/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,342
−HK$961/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,268
+HK$1,965/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$416,573 · 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$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$1,120/mo
Today · 4.125%
HK$37,686
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,372/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,452
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,073/mo
Today · 4.125%
HK$41,583
baseline
▲ 0.50% · 4.625%
HK$43,775
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,166/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,595
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,013
−HK$1,441/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,724
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,084
−HK$1,380/mo
Today · 4.125%
HK$53,464
baseline
▲ 0.50% · 4.625%
HK$56,282
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,928/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,573 · Scale 2, in force from 26 Feb 2026)