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$25,081
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$793/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$759/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,097
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$951/mo
Today · 4.125%
HK$31,985
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,970/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,483
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,381
−HK$911/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,114
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$1,110/mo
Today · 4.125%
HK$37,316
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,632/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,111
−HK$1,063/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,146
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,550
−HK$1,427/mo
Today · 4.125%
HK$47,977
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,954/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,224
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,571
−HK$1,367/mo
Today · 4.125%
HK$52,938
baseline
▲ 0.50% · 4.625%
HK$55,728
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,876/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,473 · Scale 2, in force from 26 Feb 2026)