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$26,221
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$829/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,170
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$793/mo
Today · 4.125%
HK$30,746
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,621/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,492/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,465
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$994/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,035/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,004
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$953/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$1,944/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,709
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,160/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,934
−HK$1,111/mo
Today · 4.125%
HK$43,045
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,269/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,090/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,491/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$53,209
+HK$3,052/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,507
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,915
−HK$1,428/mo
Today · 4.125%
HK$55,343
baseline
▲ 0.50% · 4.625%
HK$58,261
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,686/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,215 · Scale 2, in force from 26 Feb 2026)