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$25,098
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,878
−HK$793/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,294
+HK$1,623/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$759/mo
Today · 4.125%
HK$29,429
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,551/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,858/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,054
−HK$952/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,953
+HK$1,947/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,505
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$911/mo
Today · 4.125%
HK$35,315
baseline
▲ 0.50% · 4.625%
HK$37,177
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,630/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$1,110/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$2,272/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,064/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,581
−HK$1,427/mo
Today · 4.125%
HK$48,008
baseline
▲ 0.50% · 4.625%
HK$50,930
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,016/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,257
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,605
−HK$1,368/mo
Today · 4.125%
HK$52,973
baseline
▲ 0.50% · 4.625%
HK$55,765
+HK$2,792/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,946/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,743 · Scale 2, in force from 26 Feb 2026)