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$26,231
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,047
−HK$829/mo
Today · 4.125%
HK$27,876
baseline
▲ 0.50% · 4.625%
HK$29,572
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,752/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,182
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$794/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$994/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,487
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,018
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$952/mo
Today · 4.125%
HK$36,910
baseline
▲ 0.50% · 4.625%
HK$38,856
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,820/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,161/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,111/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,216
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,685
−HK$1,492/mo
Today · 4.125%
HK$50,177
baseline
▲ 0.50% · 4.625%
HK$53,230
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,354/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,528
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,936
−HK$1,430/mo
Today · 4.125%
HK$55,366
baseline
▲ 0.50% · 4.625%
HK$58,284
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,732/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,388 · Scale 2, in force from 26 Feb 2026)