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$25,068
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$792/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$759/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,549/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,082
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$951/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$911/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$1,109/mo
Today · 4.125%
HK$37,296
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$2,270/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,592/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,063/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,322
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,123
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,426/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,870
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,199
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,545
−HK$1,366/mo
Today · 4.125%
HK$52,911
baseline
▲ 0.50% · 4.625%
HK$55,700
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,822/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,259 · Scale 2, in force from 26 Feb 2026)