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$25,069
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$793/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$758/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,550/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$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,082
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,018
−HK$951/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$910/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$1,860/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$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,096
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,188
−HK$1,109/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,062/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,323
+HK$2,170/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$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,527
−HK$1,426/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,871
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,199
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,546
−HK$1,366/mo
Today · 4.125%
HK$52,912
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,824/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,267 · Scale 2, in force from 26 Feb 2026)