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$25,079
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$792/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,274
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$759/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$951/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$911/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,203
−HK$1,110/mo
Today · 4.125%
HK$37,313
baseline
▲ 0.50% · 4.625%
HK$39,583
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,626/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,062/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,341
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,143
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,547
−HK$1,427/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,893
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,221
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,568
−HK$1,367/mo
Today · 4.125%
HK$52,935
baseline
▲ 0.50% · 4.625%
HK$55,725
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,870/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,446 · Scale 2, in force from 26 Feb 2026)