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$1,588/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$800/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$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$767/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$961/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,271
+HK$1,965/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$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$920/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$1,121/mo
Today · 4.125%
HK$37,690
baseline
▲ 0.50% · 4.625%
HK$39,983
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,380/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,455
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,073/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,442/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,948/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$416,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,728
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,380/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,288
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,612 · Scale 2, in force from 26 Feb 2026)