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$26,209
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$828/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,695/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$793/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$994/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,988
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$952/mo
Today · 4.125%
HK$36,879
baseline
▲ 0.50% · 4.625%
HK$38,822
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,758/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,833
−HK$1,160/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,373/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,820
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,111/mo
Today · 4.125%
HK$43,025
baseline
▲ 0.50% · 4.625%
HK$45,293
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,050/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,176
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,491/mo
Today · 4.125%
HK$50,134
baseline
▲ 0.50% · 4.625%
HK$53,184
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,268/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,428/mo
Today · 4.125%
HK$55,318
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$2,916/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,636/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,016 · Scale 2, in force from 26 Feb 2026)