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$25,091
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$793/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,913
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$759/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,109
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$951/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,994/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$912/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,127
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,220
−HK$1,110/mo
Today · 4.125%
HK$37,330
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,660/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,079
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,127
−HK$1,063/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,361
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,164
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,428/mo
Today · 4.125%
HK$47,996
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,992/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,244
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,367/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,634 · Scale 2, in force from 26 Feb 2026)