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$25,328
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$801/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$767/mo
Today · 4.125%
HK$29,700
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,400/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,394
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$960/mo
Today · 4.125%
HK$32,300
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,600/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$920/mo
Today · 4.125%
HK$35,640
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$1,879/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,280/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$1,121/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,976
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,507
−HK$1,073/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$43,772
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,591
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,009
−HK$1,441/mo
Today · 4.125%
HK$48,450
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,900/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,720
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,380/mo
Today · 4.125%
HK$53,460
baseline
▲ 0.50% · 4.625%
HK$56,278
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,920/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,541 · Scale 2, in force from 26 Feb 2026)