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$25,070
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$793/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,264
+HK$1,621/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$758/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,550/mo
Deposit HK$5.50M · loan HK$5.50M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$951/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$911/mo
Today · 4.125%
HK$35,277
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.60M · min. income ≈ HK$70,554/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$1,110/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,047
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,062/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,170/mo
Deposit HK$3.30M · loan HK$7.70M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,427/mo
Today · 4.125%
HK$47,957
baseline
▲ 0.50% · 4.625%
HK$50,875
+HK$2,918/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$95,914/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,203
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,549
−HK$1,366/mo
Today · 4.125%
HK$52,915
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$2,790/mo
Deposit HK$1.10M · loan HK$9.90M · min. income ≈ HK$105,830/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,297 · Scale 2, in force from 26 Feb 2026)