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$25,102
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$793/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$760/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,059
−HK$952/mo
Today · 4.125%
HK$32,011
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,022/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$911/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,143
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,236
−HK$1,111/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,096
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,063/mo
Today · 4.125%
HK$41,208
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,416/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,589
−HK$1,428/mo
Today · 4.125%
HK$48,017
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,034/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,266
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,367/mo
Today · 4.125%
HK$52,982
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,964/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,817 · Scale 2, in force from 26 Feb 2026)