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$25,089
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$793/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$759/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,107
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$952/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,392
−HK$911/mo
Today · 4.125%
HK$35,303
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,606/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$1,110/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,076
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,063/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,358
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,160
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,427/mo
Today · 4.125%
HK$47,992
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,984/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,240
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,588
−HK$1,366/mo
Today · 4.125%
HK$52,954
baseline
▲ 0.50% · 4.625%
HK$55,746
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,908/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,601 · Scale 2, in force from 26 Feb 2026)