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$25,067
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$792/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$759/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,016
−HK$951/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,464
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$910/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,186
−HK$1,109/mo
Today · 4.125%
HK$37,295
baseline
▲ 0.50% · 4.625%
HK$39,564
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,590/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,042
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,089
−HK$1,062/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,121
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,426/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,868
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,196
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,543
−HK$1,365/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,242 · Scale 2, in force from 26 Feb 2026)