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$25,103
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$793/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$760/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,552/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$952/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,960
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$911/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,184
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$1,111/mo
Today · 4.125%
HK$37,348
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,696/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,146
−HK$1,063/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,382
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,428/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,940
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,268
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,616
−HK$1,367/mo
Today · 4.125%
HK$52,983
baseline
▲ 0.50% · 4.625%
HK$55,776
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,966/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,827 · Scale 2, in force from 26 Feb 2026)