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$25,090
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$793/mo
Today · 4.125%
HK$26,663
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,326/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,912
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$760/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$30,971
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,107
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$951/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,942
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,392
−HK$912/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,165
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,125
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$1,110/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,599
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,063/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,359
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,427/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,367/mo
Today · 4.125%
HK$52,956
baseline
▲ 0.50% · 4.625%
HK$55,747
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,912/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,610 · Scale 2, in force from 26 Feb 2026)