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$25,084
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$793/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$759/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,101
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$952/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,935
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$911/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$1,110/mo
Today · 4.125%
HK$37,320
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,640/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,068
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,063/mo
Today · 4.125%
HK$41,179
baseline
▲ 0.50% · 4.625%
HK$43,349
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,358/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,556
−HK$1,427/mo
Today · 4.125%
HK$47,983
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,966/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,230
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,578
−HK$1,366/mo
Today · 4.125%
HK$52,944
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,888/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,522 · Scale 2, in force from 26 Feb 2026)