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$26,237
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,053
−HK$829/mo
Today · 4.125%
HK$27,882
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,764/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,188
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$794/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,463
−HK$995/mo
Today · 4.125%
HK$33,458
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,916/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,026
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$953/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,732
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,874
−HK$1,161/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,863
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,959
−HK$1,112/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,226
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,695
−HK$1,493/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$53,242
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,539
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,948
−HK$1,429/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,478 · Scale 2, in force from 26 Feb 2026)