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$26,229
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$829/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$793/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,454
−HK$995/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,484
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,016
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$953/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$1,945/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,721
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,863
−HK$1,161/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,398
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,852
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,948
−HK$1,111/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,329
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,213
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,493/mo
Today · 4.125%
HK$50,174
baseline
▲ 0.50% · 4.625%
HK$53,227
+HK$3,053/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,348/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,524
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,933
−HK$1,429/mo
Today · 4.125%
HK$55,362
baseline
▲ 0.50% · 4.625%
HK$58,280
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,724/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,356 · Scale 2, in force from 26 Feb 2026)