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$26,233
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$829/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,574
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$794/mo
Today · 4.125%
HK$30,760
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,520/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,479
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$995/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,020
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$953/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,726
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,868
−HK$1,161/mo
Today · 4.125%
HK$39,029
baseline
▲ 0.50% · 4.625%
HK$41,403
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,058/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,857
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,111/mo
Today · 4.125%
HK$43,064
baseline
▲ 0.50% · 4.625%
HK$45,334
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,128/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,219
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,687
−HK$1,493/mo
Today · 4.125%
HK$50,180
baseline
▲ 0.50% · 4.625%
HK$53,233
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,360/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,530
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,939
−HK$1,429/mo
Today · 4.125%
HK$55,368
baseline
▲ 0.50% · 4.625%
HK$58,287
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,736/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,408 · Scale 2, in force from 26 Feb 2026)