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$26,243
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$829/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,585
+HK$1,697/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$794/mo
Today · 4.125%
HK$30,772
baseline
▲ 0.50% · 4.625%
HK$32,394
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,544/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,491
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$995/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,502
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,034
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$953/mo
Today · 4.125%
HK$36,926
baseline
▲ 0.50% · 4.625%
HK$38,873
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,852/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,882
−HK$1,162/mo
Today · 4.125%
HK$39,044
baseline
▲ 0.50% · 4.625%
HK$41,419
+HK$2,375/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,088/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,873
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,969
−HK$1,112/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,237
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,493/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,430/mo
Today · 4.125%
HK$55,390
baseline
▲ 0.50% · 4.625%
HK$58,309
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,780/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,574 · Scale 2, in force from 26 Feb 2026)