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$25,076
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$792/mo
Today · 4.125%
HK$26,649
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,298/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$759/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,028
−HK$951/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,925
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,477
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,375
−HK$910/mo
Today · 4.125%
HK$35,285
baseline
▲ 0.50% · 4.625%
HK$37,145
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,570/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,107
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,199
−HK$1,110/mo
Today · 4.125%
HK$37,309
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,618/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,056
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,104
−HK$1,062/mo
Today · 4.125%
HK$41,166
baseline
▲ 0.50% · 4.625%
HK$43,336
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,332/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,138
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,542
−HK$1,426/mo
Today · 4.125%
HK$47,968
baseline
▲ 0.50% · 4.625%
HK$50,887
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,936/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,215
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,562
−HK$1,366/mo
Today · 4.125%
HK$52,928
baseline
▲ 0.50% · 4.625%
HK$55,718
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,856/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,396 · Scale 2, in force from 26 Feb 2026)