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$25,095
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$793/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,918
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,667
−HK$759/mo
Today · 4.125%
HK$29,426
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,852/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,114
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$951/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,501
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,400
−HK$911/mo
Today · 4.125%
HK$35,311
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,622/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$1,110/mo
Today · 4.125%
HK$37,336
baseline
▲ 0.50% · 4.625%
HK$39,608
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,672/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,085
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,064/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,368
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,171
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,576
−HK$1,427/mo
Today · 4.125%
HK$48,003
baseline
▲ 0.50% · 4.625%
HK$50,924
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$96,006/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,252
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,367/mo
Today · 4.125%
HK$52,967
baseline
▲ 0.50% · 4.625%
HK$55,759
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,934/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,699 · Scale 2, in force from 26 Feb 2026)