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$25,060
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$792/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,620/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,879
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$759/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$950/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,903
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$911/mo
Today · 4.125%
HK$35,263
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,858/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,526/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$1,109/mo
Today · 4.125%
HK$37,285
baseline
▲ 0.50% · 4.625%
HK$39,553
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,570/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,031
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,078
−HK$1,062/mo
Today · 4.125%
HK$41,140
baseline
▲ 0.50% · 4.625%
HK$43,308
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,280/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,512
−HK$1,425/mo
Today · 4.125%
HK$47,937
baseline
▲ 0.50% · 4.625%
HK$50,854
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,874/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,183
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,529
−HK$1,365/mo
Today · 4.125%
HK$52,894
baseline
▲ 0.50% · 4.625%
HK$55,682
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,788/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,130 · Scale 2, in force from 26 Feb 2026)