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$25,093
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$759/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,111
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,048
−HK$951/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,397
−HK$911/mo
Today · 4.125%
HK$35,308
baseline
▲ 0.50% · 4.625%
HK$37,169
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,616/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,130
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,222
−HK$1,111/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,666/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,064/mo
Today · 4.125%
HK$41,193
baseline
▲ 0.50% · 4.625%
HK$43,364
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,386/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,167
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,572
−HK$1,427/mo
Today · 4.125%
HK$47,999
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,998/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,247
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,595
−HK$1,367/mo
Today · 4.125%
HK$52,962
baseline
▲ 0.50% · 4.625%
HK$55,754
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,924/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,661 · Scale 2, in force from 26 Feb 2026)