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$25,332
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$800/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$767/mo
Today · 4.125%
HK$29,704
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,408/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,398
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$960/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,966/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,817
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$921/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.67M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,464
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,567
−HK$1,121/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,073/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$43,777
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,597
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$47,015
−HK$1,441/mo
Today · 4.125%
HK$48,456
baseline
▲ 0.50% · 4.625%
HK$51,405
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,912/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,726
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,380/mo
Today · 4.125%
HK$53,467
baseline
▲ 0.50% · 4.625%
HK$56,285
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,934/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,593 · Scale 2, in force from 26 Feb 2026)