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$25,105
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$794/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,930
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$760/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$30,990
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,127
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,064
−HK$952/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,515
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$912/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,148
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$1,111/mo
Today · 4.125%
HK$37,352
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,704/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,101
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,064/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,190
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,429/mo
Today · 4.125%
HK$48,024
baseline
▲ 0.50% · 4.625%
HK$50,946
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,048/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,273
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,622
−HK$1,367/mo
Today · 4.125%
HK$52,989
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,978/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,873 · Scale 2, in force from 26 Feb 2026)