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$25,072
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$792/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,266
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$758/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$951/mo
Today · 4.125%
HK$31,973
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,946/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,471
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,369
−HK$910/mo
Today · 4.125%
HK$35,279
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,558/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$1,109/mo
Today · 4.125%
HK$37,302
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,604/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,062/mo
Today · 4.125%
HK$41,159
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,318/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,130
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,534
−HK$1,426/mo
Today · 4.125%
HK$47,960
baseline
▲ 0.50% · 4.625%
HK$50,878
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,920/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,207
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,553
−HK$1,366/mo
Today · 4.125%
HK$52,919
baseline
▲ 0.50% · 4.625%
HK$55,708
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,838/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,325 · Scale 2, in force from 26 Feb 2026)