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$26,204
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$829/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$793/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,347
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$994/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$951/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$38,816
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,686
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,827
−HK$1,160/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,359
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,813
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,907
−HK$1,111/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,285
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,168
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,635
−HK$1,491/mo
Today · 4.125%
HK$50,126
baseline
▲ 0.50% · 4.625%
HK$53,176
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,252/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,474
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,881
−HK$1,428/mo
Today · 4.125%
HK$55,309
baseline
▲ 0.50% · 4.625%
HK$58,224
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,618/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,945 · Scale 2, in force from 26 Feb 2026)