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$25,325
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$801/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$766/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,262
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$960/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$920/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$1,121/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,972
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,073/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,586
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,004
−HK$1,440/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$51,392
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,714
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,074
−HK$1,380/mo
Today · 4.125%
HK$53,454
baseline
▲ 0.50% · 4.625%
HK$56,271
+HK$2,817/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,908/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,490 · Scale 2, in force from 26 Feb 2026)