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$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$758/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,887/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$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$910/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,253 · 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$39,565
+HK$2,269/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$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,062/mo
Today · 4.125%
HK$41,152
baseline
▲ 0.50% · 4.625%
HK$43,321
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,304/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,426/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,869
+HK$2,917/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$412,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,198
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,544
−HK$1,366/mo
Today · 4.125%
HK$52,910
baseline
▲ 0.50% · 4.625%
HK$55,699
+HK$2,789/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,820/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,253 · Scale 2, in force from 26 Feb 2026)