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$25,086
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$792/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$759/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$951/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$911/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,213
−HK$1,110/mo
Today · 4.125%
HK$37,323
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,646/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,119
−HK$1,063/mo
Today · 4.125%
HK$41,182
baseline
▲ 0.50% · 4.625%
HK$43,353
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,364/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,155
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,560
−HK$1,427/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,907
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,235
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,582
−HK$1,367/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$55,740
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,558 · Scale 2, in force from 26 Feb 2026)