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$1,589/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$801/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$767/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,398/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,393
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$961/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,812
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,719
−HK$920/mo
Today · 4.125%
HK$35,639
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,278/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,561
−HK$1,121/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,447
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,505
−HK$1,073/mo
Today · 4.125%
HK$41,578
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,156/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,589
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,008
−HK$1,440/mo
Today · 4.125%
HK$48,448
baseline
▲ 0.50% · 4.625%
HK$51,396
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,896/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,718
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,078
−HK$1,380/mo
Today · 4.125%
HK$53,458
baseline
▲ 0.50% · 4.625%
HK$56,276
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,916/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,524 · Scale 2, in force from 26 Feb 2026)