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$26,209
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$829/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$794/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,451
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$994/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,457
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,989
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$952/mo
Today · 4.125%
HK$36,879
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,758/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,160/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,820
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,111/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,177
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,644
−HK$1,491/mo
Today · 4.125%
HK$50,135
baseline
▲ 0.50% · 4.625%
HK$53,185
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,270/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,483
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,891
−HK$1,428/mo
Today · 4.125%
HK$55,319
baseline
▲ 0.50% · 4.625%
HK$58,235
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,638/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,024 · Scale 2, in force from 26 Feb 2026)