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$25,071
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$792/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,264
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$759/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$951/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$911/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,137
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$1,110/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,048
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,062/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,532
−HK$1,426/mo
Today · 4.125%
HK$47,958
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,916/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,204
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,551
−HK$1,366/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$55,706
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,307 · Scale 2, in force from 26 Feb 2026)