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$26,206
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,021
−HK$828/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,543
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$793/mo
Today · 4.125%
HK$30,728
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,456/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,447
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,425
−HK$994/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,452
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,984
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$952/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$38,818
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,688
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,159/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,361
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,111/mo
Today · 4.125%
HK$43,020
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,040/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,170
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,637
−HK$1,491/mo
Today · 4.125%
HK$50,128
baseline
▲ 0.50% · 4.625%
HK$53,178
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,256/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,476
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,428/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,227
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,964 · Scale 2, in force from 26 Feb 2026)