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$26,202
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$828/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,694/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$793/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,619/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$993/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$2,034/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$951/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$38,812
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,682
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,823
−HK$1,159/mo
Today · 4.125%
HK$38,982
baseline
▲ 0.50% · 4.625%
HK$41,354
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,964/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,808
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,110/mo
Today · 4.125%
HK$43,013
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,268/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,026/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,163
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,630
−HK$1,490/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$53,170
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,468
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,428/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,218
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,898 · Scale 2, in force from 26 Feb 2026)