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$25,064
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$792/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$758/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,077
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,013
−HK$950/mo
Today · 4.125%
HK$31,963
baseline
▲ 0.50% · 4.625%
HK$33,908
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,926/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,461
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,358
−HK$910/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$1,860/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,182
−HK$1,109/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,063/mo
Today · 4.125%
HK$41,147
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,294/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,116
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,426/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,191
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,366/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$55,691
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,198 · Scale 2, in force from 26 Feb 2026)