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$26,227
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$829/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$794/mo
Today · 4.125%
HK$30,753
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,506/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,472
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$995/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,012
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$953/mo
Today · 4.125%
HK$36,904
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,808/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,717
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,859
−HK$1,161/mo
Today · 4.125%
HK$39,020
baseline
▲ 0.50% · 4.625%
HK$41,394
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,040/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,943
−HK$1,111/mo
Today · 4.125%
HK$43,054
baseline
▲ 0.50% · 4.625%
HK$45,324
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,108/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,208
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,676
−HK$1,492/mo
Today · 4.125%
HK$50,168
baseline
▲ 0.50% · 4.625%
HK$53,221
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,336/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,518
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,927
−HK$1,429/mo
Today · 4.125%
HK$55,356
baseline
▲ 0.50% · 4.625%
HK$58,274
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,712/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,311 · Scale 2, in force from 26 Feb 2026)