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$25,330
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$801/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,556
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$766/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,267
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$961/mo
Today · 4.125%
HK$32,302
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,604/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$920/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$1,121/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,074/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,011
−HK$1,441/mo
Today · 4.125%
HK$48,452
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,904/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,722
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,380/mo
Today · 4.125%
HK$53,462
baseline
▲ 0.50% · 4.625%
HK$56,280
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,924/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,558 · Scale 2, in force from 26 Feb 2026)