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$26,212
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$828/mo
Today · 4.125%
HK$27,855
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,710/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$793/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,470/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,454
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$994/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,931
−HK$952/mo
Today · 4.125%
HK$36,883
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,766/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,696
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,159/mo
Today · 4.125%
HK$38,997
baseline
▲ 0.50% · 4.625%
HK$41,370
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,994/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,824
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,919
−HK$1,111/mo
Today · 4.125%
HK$43,030
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,060/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,181
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,648
−HK$1,491/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$53,190
+HK$3,051/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,488
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,896
−HK$1,428/mo
Today · 4.125%
HK$55,324
baseline
▲ 0.50% · 4.625%
HK$58,240
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,648/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,062 · Scale 2, in force from 26 Feb 2026)