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$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$793/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$760/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$30,985
+HK$1,552/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$952/mo
Today · 4.125%
HK$32,010
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,020/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,509
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$912/mo
Today · 4.125%
HK$35,320
baseline
▲ 0.50% · 4.625%
HK$37,181
+HK$1,861/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,640/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,111/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,063/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,587
−HK$1,428/mo
Today · 4.125%
HK$48,015
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,921/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,030/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,264
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,612
−HK$1,368/mo
Today · 4.125%
HK$52,980
baseline
▲ 0.50% · 4.625%
HK$55,772
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,960/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,797 · Scale 2, in force from 26 Feb 2026)