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$28,273
+HK$1,622/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$412,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$759/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,426 · 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$412,426 · 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$412,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,110
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,202
−HK$1,109/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,582
+HK$2,271/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$412,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,062/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$412,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,427/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,219
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,566
−HK$1,366/mo
Today · 4.125%
HK$52,932
baseline
▲ 0.50% · 4.625%
HK$55,722
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,864/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,426 · Scale 2, in force from 26 Feb 2026)