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$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$794/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$760/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$952/mo
Today · 4.125%
HK$32,010
baseline
▲ 0.50% · 4.625%
HK$33,957
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,020/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,509
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$911/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,181
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,110/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,064/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,181
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,428/mo
Today · 4.125%
HK$48,014
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,028/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,611
−HK$1,368/mo
Today · 4.125%
HK$52,979
baseline
▲ 0.50% · 4.625%
HK$55,772
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,958/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,792 · Scale 2, in force from 26 Feb 2026)