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$25,092
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$793/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,914
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$760/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$951/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$911/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,129
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$1,111/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,664/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,080
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,064/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,363
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,428/mo
Today · 4.125%
HK$47,998
baseline
▲ 0.50% · 4.625%
HK$50,918
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,996/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,246
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,594
−HK$1,367/mo
Today · 4.125%
HK$52,961
baseline
▲ 0.50% · 4.625%
HK$55,752
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,922/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,650 · Scale 2, in force from 26 Feb 2026)