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$25,082
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$793/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,622/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$759/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,098
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$952/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$911/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,115
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,207
−HK$1,110/mo
Today · 4.125%
HK$37,317
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,634/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,063/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,171/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,147
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,426/mo
Today · 4.125%
HK$47,978
baseline
▲ 0.50% · 4.625%
HK$50,898
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,956/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,226
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,573
−HK$1,366/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$55,730
+HK$2,791/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,484 · Scale 2, in force from 26 Feb 2026)