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$25,100
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$793/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$760/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$952/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,956
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$911/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,180
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,140
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$1,110/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,093
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,064/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,377
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,180
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,585
−HK$1,428/mo
Today · 4.125%
HK$48,013
baseline
▲ 0.50% · 4.625%
HK$50,934
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,026/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,262
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,610
−HK$1,367/mo
Today · 4.125%
HK$52,977
baseline
▲ 0.50% · 4.625%
HK$55,770
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,954/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,780 · Scale 2, in force from 26 Feb 2026)