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$25,098
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$793/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$760/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$952/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$912/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$1,111/mo
Today · 4.125%
HK$37,341
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,682/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,090
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,064/mo
Today · 4.125%
HK$41,202
baseline
▲ 0.50% · 4.625%
HK$43,374
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,404/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,428/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,367/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,754 · Scale 2, in force from 26 Feb 2026)