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$25,063
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$792/mo
Today · 4.125%
HK$26,635
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,620/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,270/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$759/mo
Today · 4.125%
HK$29,389
baseline
▲ 0.50% · 4.625%
HK$30,938
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,778/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$951/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,944/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$910/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,088
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$1,108/mo
Today · 4.125%
HK$37,288
baseline
▲ 0.50% · 4.625%
HK$39,557
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,576/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,062/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,113
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,425/mo
Today · 4.125%
HK$47,942
baseline
▲ 0.50% · 4.625%
HK$50,859
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,884/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,188
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,366/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,173 · Scale 2, in force from 26 Feb 2026)