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$25,096
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$793/mo
Today · 4.125%
HK$26,669
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,338/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,667
−HK$760/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,115
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$952/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$911/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$1,110/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,064/mo
Today · 4.125%
HK$41,198
baseline
▲ 0.50% · 4.625%
HK$43,369
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,172
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,577
−HK$1,428/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,926
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,253
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,368/mo
Today · 4.125%
HK$52,969
baseline
▲ 0.50% · 4.625%
HK$55,761
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,938/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,711 · Scale 2, in force from 26 Feb 2026)