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$26,241
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$830/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,193
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$794/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,489
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$995/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,500
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$953/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,161/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,870
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,112/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,234
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,493/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,547
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,956
−HK$1,430/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,305
+HK$2,919/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,547 · Scale 2, in force from 26 Feb 2026)