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$25,104
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$794/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,928
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$760/mo
Today · 4.125%
HK$29,437
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,552/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,874/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$952/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$912/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$1,111/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,148
−HK$1,064/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,384
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,188
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,593
−HK$1,428/mo
Today · 4.125%
HK$48,021
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,042/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,271
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,619
−HK$1,368/mo
Today · 4.125%
HK$52,987
baseline
▲ 0.50% · 4.625%
HK$55,780
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,974/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,853 · Scale 2, in force from 26 Feb 2026)