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$25,083
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$793/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,905
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,653
−HK$759/mo
Today · 4.125%
HK$29,412
baseline
▲ 0.50% · 4.625%
HK$30,963
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,824/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$951/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,486
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$911/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$1,110/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,067
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,062/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,348
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,150
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,554
−HK$1,427/mo
Today · 4.125%
HK$47,981
baseline
▲ 0.50% · 4.625%
HK$50,901
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,962/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,229
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,576
−HK$1,366/mo
Today · 4.125%
HK$52,942
baseline
▲ 0.50% · 4.625%
HK$55,733
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,884/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,508 · Scale 2, in force from 26 Feb 2026)