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$25,062
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$792/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,254
+HK$1,620/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$759/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$950/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,905
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$910/mo
Today · 4.125%
HK$35,265
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,530/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$1,109/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,034
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,081
−HK$1,062/mo
Today · 4.125%
HK$41,143
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,286/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,515
−HK$1,426/mo
Today · 4.125%
HK$47,941
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,882/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,186
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,366/mo
Today · 4.125%
HK$52,898
baseline
▲ 0.50% · 4.625%
HK$55,686
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,796/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,160 · Scale 2, in force from 26 Feb 2026)