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$25,327
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$800/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$766/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$960/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,263
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$920/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,561
−HK$1,120/mo
Today · 4.125%
HK$37,681
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,362/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,446
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,073/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,588
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,006
−HK$1,441/mo
Today · 4.125%
HK$48,447
baseline
▲ 0.50% · 4.625%
HK$51,395
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,894/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,717
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,077
−HK$1,380/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,274
+HK$2,817/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,514 · Scale 2, in force from 26 Feb 2026)