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$25,064
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$792/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$759/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$30,939
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,077
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,013
−HK$950/mo
Today · 4.125%
HK$31,963
baseline
▲ 0.50% · 4.625%
HK$33,908
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,926/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,460
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,358
−HK$910/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,127
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$1,109/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,062/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,426/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,190
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,365/mo
Today · 4.125%
HK$52,902
baseline
▲ 0.50% · 4.625%
HK$55,691
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,804/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,193 · Scale 2, in force from 26 Feb 2026)