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$25,103
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$794/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,301
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$760/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,552/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,124
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,061
−HK$952/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,513
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,412
−HK$911/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,185
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$1,111/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,098
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,064/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,592
−HK$1,428/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,942
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,269
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,617
−HK$1,368/mo
Today · 4.125%
HK$52,985
baseline
▲ 0.50% · 4.625%
HK$55,778
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,970/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,840 · Scale 2, in force from 26 Feb 2026)