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$25,087
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$793/mo
Today · 4.125%
HK$26,660
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,320/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,909
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$760/mo
Today · 4.125%
HK$29,417
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,834/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$951/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$911/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,122
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$1,110/mo
Today · 4.125%
HK$37,324
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,648/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,063/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,156
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,427/mo
Today · 4.125%
HK$47,988
baseline
▲ 0.50% · 4.625%
HK$50,908
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,976/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,236
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,583
−HK$1,367/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$55,741
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,567 · Scale 2, in force from 26 Feb 2026)