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$26,238
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$829/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$795/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$995/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,028
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$953/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,161/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,112/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,229
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,492/mo
Today · 4.125%
HK$50,190
baseline
▲ 0.50% · 4.625%
HK$53,244
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,380/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,541
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,950
−HK$1,430/mo
Today · 4.125%
HK$55,380
baseline
▲ 0.50% · 4.625%
HK$58,299
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,760/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,499 · Scale 2, in force from 26 Feb 2026)