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$25,076
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,856
−HK$792/mo
Today · 4.125%
HK$26,648
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,296/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,896
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$759/mo
Today · 4.125%
HK$29,404
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,808/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$951/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$910/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,106
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,198
−HK$1,109/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,055
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,103
−HK$1,062/mo
Today · 4.125%
HK$41,165
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,330/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,540
−HK$1,427/mo
Today · 4.125%
HK$47,967
baseline
▲ 0.50% · 4.625%
HK$50,885
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,934/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,214
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,560
−HK$1,367/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$55,716
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,384 · Scale 2, in force from 26 Feb 2026)