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$25,099
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$794/mo
Today · 4.125%
HK$26,673
baseline
▲ 0.50% · 4.625%
HK$28,296
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,346/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,671
−HK$760/mo
Today · 4.125%
HK$29,431
baseline
▲ 0.50% · 4.625%
HK$30,982
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,862/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$952/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,955
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,507
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$912/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$1,111/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,091
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,139
−HK$1,064/mo
Today · 4.125%
HK$41,203
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,406/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,178
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,583
−HK$1,428/mo
Today · 4.125%
HK$48,011
baseline
▲ 0.50% · 4.625%
HK$50,932
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,022/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,260
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,608
−HK$1,367/mo
Today · 4.125%
HK$52,975
baseline
▲ 0.50% · 4.625%
HK$55,768
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,950/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,762 · Scale 2, in force from 26 Feb 2026)