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$25,062
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$792/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$759/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$951/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,905
+HK$1,944/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$911/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$1,858/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,179
−HK$1,109/mo
Today · 4.125%
HK$37,288
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,576/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,034
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,081
−HK$1,062/mo
Today · 4.125%
HK$41,143
baseline
▲ 0.50% · 4.625%
HK$43,312
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,286/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,515
−HK$1,426/mo
Today · 4.125%
HK$47,941
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,882/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,187
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,533
−HK$1,365/mo
Today · 4.125%
HK$52,898
baseline
▲ 0.50% · 4.625%
HK$55,687
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,796/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,163 · Scale 2, in force from 26 Feb 2026)