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$26,224
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$829/mo
Today · 4.125%
HK$27,868
baseline
▲ 0.50% · 4.625%
HK$29,564
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,736/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,173
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$794/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,620/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$995/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,008
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$952/mo
Today · 4.125%
HK$36,899
baseline
▲ 0.50% · 4.625%
HK$38,844
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,798/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,713
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,855
−HK$1,160/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,389
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,843
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,111/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,319
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,202
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,671
−HK$1,491/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$53,215
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,512
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,429/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,267
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,260 · Scale 2, in force from 26 Feb 2026)