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$26,203
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$828/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,541
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$793/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,345
+HK$1,619/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,422
−HK$994/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,449
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$952/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$38,814
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,159/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,110/mo
Today · 4.125%
HK$43,016
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,032/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,166
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,633
−HK$1,491/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,879
−HK$1,427/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,927 · Scale 2, in force from 26 Feb 2026)