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$26,245
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$830/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$795/mo
Today · 4.125%
HK$30,775
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,550/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$995/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,037
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$953/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,886
−HK$1,161/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,876
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,973
−HK$1,112/mo
Today · 4.125%
HK$43,085
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,170/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,241
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,711
−HK$1,493/mo
Today · 4.125%
HK$50,204
baseline
▲ 0.50% · 4.625%
HK$53,258
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,408/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,555
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,965
−HK$1,430/mo
Today · 4.125%
HK$55,395
baseline
▲ 0.50% · 4.625%
HK$58,315
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,790/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,615 · Scale 2, in force from 26 Feb 2026)