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$25,080
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$792/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,274
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$759/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$951/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$911/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$1,109/mo
Today · 4.125%
HK$37,313
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,626/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,063/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,143
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,548
−HK$1,426/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,893
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,222
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,568
−HK$1,367/mo
Today · 4.125%
HK$52,935
baseline
▲ 0.50% · 4.625%
HK$55,725
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,870/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,449 · Scale 2, in force from 26 Feb 2026)