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$25,080
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$793/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$759/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$30,959
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$951/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$911/mo
Today · 4.125%
HK$35,291
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,582/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$1,109/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$2,271/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,063/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,343
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,426/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,366/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,459 · Scale 2, in force from 26 Feb 2026)