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$25,069
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$792/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$759/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$951/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,915
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$910/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,135
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,097
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$1,109/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,045
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,062/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,125
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,528
−HK$1,426/mo
Today · 4.125%
HK$47,954
baseline
▲ 0.50% · 4.625%
HK$50,872
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,908/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,201
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,547
−HK$1,366/mo
Today · 4.125%
HK$52,913
baseline
▲ 0.50% · 4.625%
HK$55,702
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,826/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,277 · Scale 2, in force from 26 Feb 2026)