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$25,072
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$793/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$759/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,086
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$951/mo
Today · 4.125%
HK$31,973
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,946/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,368
−HK$911/mo
Today · 4.125%
HK$35,279
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,558/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,100
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$1,109/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,571
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,049
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,096
−HK$1,062/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,129
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,533
−HK$1,426/mo
Today · 4.125%
HK$47,959
baseline
▲ 0.50% · 4.625%
HK$50,877
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,918/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,552
−HK$1,366/mo
Today · 4.125%
HK$52,918
baseline
▲ 0.50% · 4.625%
HK$55,707
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,836/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,315 · Scale 2, in force from 26 Feb 2026)