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$1,574/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$793/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,290
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$759/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$951/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$911/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,131
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,224
−HK$1,110/mo
Today · 4.125%
HK$37,334
baseline
▲ 0.50% · 4.625%
HK$39,606
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,668/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,083
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,063/mo
Today · 4.125%
HK$41,194
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,388/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,168
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,428/mo
Today · 4.125%
HK$48,001
baseline
▲ 0.50% · 4.625%
HK$50,921
+HK$2,920/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$96,002/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,249
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,367/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,676 · Scale 2, in force from 26 Feb 2026)