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$25,073
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$792/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$759/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,088
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,024
−HK$950/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$911/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$1,109/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,573
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,098
−HK$1,063/mo
Today · 4.125%
HK$41,161
baseline
▲ 0.50% · 4.625%
HK$43,330
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,322/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,131
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,427/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,880
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,208
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,366/mo
Today · 4.125%
HK$52,921
baseline
▲ 0.50% · 4.625%
HK$55,710
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,842/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,340 · Scale 2, in force from 26 Feb 2026)