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$25,080
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$793/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$759/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$30,959
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$951/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$911/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$1,110/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,063/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,144
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,548
−HK$1,427/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,894
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,222
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,569
−HK$1,367/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$55,726
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,454 · Scale 2, in force from 26 Feb 2026)