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$25,075
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$793/mo
Today · 4.125%
HK$26,648
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,296/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,896
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$759/mo
Today · 4.125%
HK$29,403
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,806/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,090
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$951/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,946/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,475
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,373
−HK$911/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$1,110/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,577
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,054
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,062/mo
Today · 4.125%
HK$41,164
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,328/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,540
−HK$1,426/mo
Today · 4.125%
HK$47,966
baseline
▲ 0.50% · 4.625%
HK$50,885
+HK$2,919/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,932/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,213
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,560
−HK$1,366/mo
Today · 4.125%
HK$52,926
baseline
▲ 0.50% · 4.625%
HK$55,716
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,852/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,377 · Scale 2, in force from 26 Feb 2026)