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$25,081
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$792/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$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$759/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,551/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$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,097
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$951/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$911/mo
Today · 4.125%
HK$35,291
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,582/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,113
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$1,110/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,063/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,343
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,427/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,224
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,367/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,464 · Scale 2, in force from 26 Feb 2026)