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$25,096
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$793/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$759/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,552/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,115
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$952/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,503
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$912/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$1,111/mo
Today · 4.125%
HK$37,338
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,676/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,087
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,135
−HK$1,063/mo
Today · 4.125%
HK$41,198
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,173
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,578
−HK$1,427/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,926
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,254
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,602
−HK$1,367/mo
Today · 4.125%
HK$52,969
baseline
▲ 0.50% · 4.625%
HK$55,761
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,938/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,717 · Scale 2, in force from 26 Feb 2026)