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$25,085
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$793/mo
Today · 4.125%
HK$26,658
baseline
▲ 0.50% · 4.625%
HK$28,280
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,316/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$759/mo
Today · 4.125%
HK$29,414
baseline
▲ 0.50% · 4.625%
HK$30,965
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,828/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$951/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,936
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,488
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$911/mo
Today · 4.125%
HK$35,297
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,594/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$1,110/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,063/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,427/mo
Today · 4.125%
HK$47,984
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,968/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,232
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,366/mo
Today · 4.125%
HK$52,945
baseline
▲ 0.50% · 4.625%
HK$55,736
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,890/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,530 · Scale 2, in force from 26 Feb 2026)