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$26,232
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$829/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,696/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$794/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,622/mo
Deposit HK$5.75M · loan HK$5.75M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$995/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$2,036/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$953/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$1,946/mo
Deposit HK$4.60M · loan HK$6.90M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,725
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,867
−HK$1,161/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,402
+HK$2,374/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,856
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,112/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,270/mo
Deposit HK$3.45M · loan HK$8.05M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,217
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,686
−HK$1,492/mo
Today · 4.125%
HK$50,178
baseline
▲ 0.50% · 4.625%
HK$53,232
+HK$3,054/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$100,356/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,529
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,429/mo
Today · 4.125%
HK$55,367
baseline
▲ 0.50% · 4.625%
HK$58,285
+HK$2,918/mo
Deposit HK$1.15M · loan HK$10.35M · min. income ≈ HK$110,734/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,397 · Scale 2, in force from 26 Feb 2026)