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$26,235
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$829/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$794/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,482
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$995/mo
Today · 4.125%
HK$33,456
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,912/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$953/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$38,862
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,872
−HK$1,160/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,861
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,957
−HK$1,111/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,339
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,223
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,493/mo
Today · 4.125%
HK$50,185
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,370/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,430/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,293
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,451 · Scale 2, in force from 26 Feb 2026)