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$25,078
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$793/mo
Today · 4.125%
HK$26,651
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,302/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$759/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$30,956
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$951/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,927
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$911/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,148
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$1,110/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,581
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,106
−HK$1,063/mo
Today · 4.125%
HK$41,169
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,338/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,140
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,426/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,890
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,565
−HK$1,366/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$55,722
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,422 · Scale 2, in force from 26 Feb 2026)